{"id":15227,"date":"2024-10-30T12:33:22","date_gmt":"2024-10-30T12:33:22","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=15227"},"modified":"2026-01-12T15:05:31","modified_gmt":"2026-01-12T20:05:31","slug":"disability-insurance","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/","title":{"rendered":"Affordable Disability Insurance for Canadians"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground hasDarkBg\" style=\"background:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/disability-insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/disability-insurance_hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading rbc-callout-heading\" id=\"h-protect-your-income-and-your-lifestyle\">Protect your <mark style=\"color:#FEDF01\" class=\"has-inline-color\">income<\/mark> and your <mark style=\"color:#FEDF01\" class=\"has-inline-color\">lifestyle<\/mark><\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Your provincial health plan can help with the medical bills. But to replace lost income, you need disability insurance. <\/p>\n\n\n\n<p class=\"rbc-override-margin p-large\">Note: Online quote is for RBC Simplified Disability Insurance only.<\/p>\n\n\n\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" data-dig-id=\"LP-33374-63893804\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get your free quote-https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get your free quote<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3 mar-t-dbl mob-mar-t-dbl\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-text-align-center informationCardContainer__v2__heading mar-t-dbl mob-mar-t-dbl\" id=\"h-affordable-disability-insurance-for-canadians\">Affordable disability insurance for Canadians<\/h1>\n\n\n\n<p class=\"has-text-align-center\">Protect your income if an injury, illness or mental health event stops you from working. Explore our straightforward, affordable options that can fill the coverage gaps with other disability benefits so that you can get back to work faster.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__header mar-t-dbl mob-mar-t-dbl is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-disability-illness-insurance\"><span class=\"partial__border-bottom\">Benefits of disability illness insurance<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon noVerticalStretch\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/policy-icon.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-flexible-options\">Flexible options<\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-style-inline-blocks mar-b-qtr is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"mar-t mob-mar-t mar-r-qtr\">Our disability insurance plans offer a range of options to choose from, including the <\/p>\n\n\n\n<button class=\"modal-eb61d74f-7211-4523-81a4-7f43e2c35eea_open  modal-button-title newwindow-link\" data-dig-id=\"LP-33374-b88ad4f3\" data-dig-category=\"LP\" data-dig-action=\"modal open\" data-action-closed=\"modal open\" data-action-opened=\"modal close\" data-dig-label=\"family compassionate care rider\">family compassionate care rider<\/button><div id=\"modal-eb61d74f-7211-4523-81a4-7f43e2c35eea\" class=\"modal modal-title\" role=\"region\" aria-labelledby=\"modal-title\"><div class=\"modal-inner\"><div class=\"wp-block-rbc-modal-block\">\n<h4 class=\"wp-block-heading hidden\" id=\"h-family-compassionate-care-rider\">Family compassionate care rider<\/h4>\n\n\n\n<p>An option to help you care for a loved one with a terminal diagnosis<sup><a href=\"#legal-15\" data-dig-id=\"LP-15227-0b901a22\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"15\" class=\"rbc-link-format\">15<\/a><\/sup><\/p>\n\n\n\n<p>The Family Compassionate Care Rider is a first-of-its-kind option that gives you financial support as you navigate a spouse or child\u2019s (Spouse or child of any age)<sup><a href=\"#legal-16\" data-dig-id=\"LP-15227-9d3f813a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"16\" class=\"rbc-link-format\">16<\/a><\/sup>&nbsp;terminal illness or injury.<\/p>\n\n\n\n<p><strong>Ideal if You<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Want the flexibility to take time off, work reduced hours or continue working in the event of your spouse or child\u2019s terminal diagnosis<\/li>\n<\/ul>\n\n\n\n<p><strong>Highlights<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>No Waiting Period<sup><a href=\"#legal-17\" data-dig-id=\"LP-15227-48ccf0d1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"17\" class=\"rbc-link-format\">17<\/a><\/sup>:&nbsp;Your benefits start the day of your loved one\u2019s diagnosis, so you can focus on spending time with them.<\/li>\n\n\n\n<li>Flexibility and Choice:&nbsp;You can choose how to use your payments\u2014cover medical bills and travel expenses, pay for child care, and\/or supplement income.<\/li>\n<\/ul>\n\n\n\n<p><strong>What&#8217;s covered?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Up to 12 months of benefit payments:&nbsp;Amount is equal to your policy\u2019s maximum monthly disability benefit<\/li>\n<\/ul>\n\n\n\n<p><strong>Who can apply?<\/strong><\/p>\n\n\n\n<p>The Family Compassionate Care Rider is available as an option on the following RBC Disability Insurance products:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>The Professional Series<\/li>\n\n\n\n<li>The Foundation Series<\/li>\n\n\n\n<li>The Bridge Series<\/li>\n\n\n\n<li>Quantum<\/li>\n<\/ul>\n\n\n\n<p><strong>Additional information<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>May only be added to new disability insurance policies<\/li>\n\n\n\n<li>Cannot be purchased as a standalone product<\/li>\n\n\n\n<li>Not available with Wage Loss Replacement Plans<\/li>\n<\/ul>\n<\/div><\/div><button class=\"close\"><span>Close<\/span><\/button><\/div>\n\n\n\n<p class=\"mar-l-qtr mar-r-qtr\">, a first-of-its-kind.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon noVerticalStretch\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/shield-heart.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-fills-coverage-gap\">Fills coverage gap<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) disability benefits are limited and may be more restrictive.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon noVerticalStretch\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/briefcase.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-helps-you-return-to-work-1\">Helps you return to work<sup><a href=\"#legal-1\" data-dig-id=\"LP-15227-3420564a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup><\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t mob-mar-t\">Many of our plans provide return to work benefits such as rehabilitation, job retraining and other services to help you get back to work.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/check-circle.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-portable\">Portable<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Most employer-sponsored plans end if you leave your job. A disability insurance plan from RBC Insurance can go with you.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-block menuItems__dropdown comparisonBlock\"><div class=\"comparisonBlock__header\"><h2><span class=\"partial__border-bottom\">Types of disability insurance<\/span><\/h2><\/div><div class=\"comparisonBlock__content\"><div class=\"comparisonBlock__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"For tradespeople and part-time workers\">\n\t\t\t\t\tFor tradespeople and part-time workers\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tFor tradespeople and part-time workers\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tFor high-income earners &amp; executives\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tFor small business owners &amp; skilled workers\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tFor retirement planning\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"comparisonBlock__menuItems\"><div class=\"comparisonBlock__menuItem\" tabindex=\"0\">For tradespeople and part-time workers<\/div><div class=\"comparisonBlock__menuItem\" tabindex=\"0\">For high-income earners &amp; executives<\/div><div class=\"comparisonBlock__menuItem\" tabindex=\"0\">For small business owners &amp; skilled workers<\/div><div class=\"comparisonBlock__menuItem\" tabindex=\"0\">For retirement planning<\/div><\/div><p>Need help choosing? <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/compare-disability-insurance\/\" target=\"_blank\" data-dig-id=\"LP-15227-3a2e290d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Compare your options here.\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Compare your options here.<\/a><\/p><\/div><div class=\"comparisonBlock__content-right\">\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h3 class=\"comparisonCards__heading\">For tradespeople &amp; part-time workers<\/h3><p class=\"rbc-override-margin\"><\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"a7hauqn8w\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-disability-insurance-0\">Disability insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-the-fundamental-series\">The Fundamental Series\u2122<\/h4>\n\n\n\n<p>The Fundamental Series\u2122 policy offers injury-only coverage that is easy to qualify for and a simple application for illness coverage.<sup><a href=\"#legal-1\" data-dig-id=\"LP-15227-2363c357\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Are self-employed<\/p>\n\n\n\n<p>Are a contract or seasonal worker<\/p>\n\n\n\n<p>Are a tradesperson or construction worker<\/p>\n\n\n\n<p>Are a self-employed farmer<\/p>\n\n\n\n<p>Work in retail<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p><strong>Easy to Qualify:<\/strong>&nbsp;Answer 3 pre-qualifying questions to apply for injury-only coverage.<\/p>\n\n\n\n<p><strong>Optional Illness Coverage:<\/strong>&nbsp;Complete a short application to apply for illness coverage.<\/p>\n\n\n\n<p><strong>Total Disability Benefit:<\/strong>&nbsp;Receive a monthly benefit if illness or injury<sup><a href=\"#legal-11\" data-dig-id=\"LP-15227-97f96f61\" data-dig-label=\"11\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">11<\/a><\/sup> completely prevents you from working<sup><a href=\"#legal-12\" data-dig-id=\"LP-15227-e202530c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"12\" class=\"rbc-link-format\">12<\/a><\/sup>.<\/p>\n\n\n\n<p><strong>Partial Disability Benefit:<\/strong>&nbsp;Receive a specified monthly benefit if illness or injury<sup><a href=\"#legal-11\" data-dig-id=\"LP-15227-97f96f61\" data-dig-label=\"11\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">11<\/a><\/sup> prevents you from working full-time<sup><a href=\"#legal-12\" data-dig-id=\"LP-15227-e202530c\" data-dig-label=\"12\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">12<\/a><\/sup>.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/return-to-work-benefits\/\" target=\"_blank\" data-dig-id=\"LP-15227-5f05e2e8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Return to Work Assistance Benefits\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Return to Work Assistance Benefits<\/a>: Receive services that can help you get back to your job.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlej0g6nlls\" class=\"collapse-toggle collapsed\" data-target=\"#accordionj0g6nlls\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-6efc819e\" aria-controls=\"accordionj0g6nlls\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Show more benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Show more benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionj0g6nlls\" role=\"region\" aria-labelledby=\"accordion-titlej0g6nlls\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Choice of Benefit Periods:<\/strong> Choose two years (illness coverage), five years or to age 70.<\/li>\n\n\n\n<li><strong>Guaranteed Renewable:<\/strong> We cannot cancel the policy without your consent, up until you turn age 75 (injury coverage) or age 70 (illness coverage). Premiums may be subject to change; however, we cannot change your premiums unless we do so for an entire group of policyholders sharing similar characteristics.<\/li>\n\n\n\n<li><strong>Accidental Medical Emergency Reimbursement Benefit:<\/strong> Helps cover certain medical expenses not covered by government health insurance plans.<\/li>\n\n\n\n<li><strong>Waiver of Premium During Disability:<\/strong> Your premiums will be waived if you are disabled and being paid monthly benefits.<\/li>\n\n\n\n<li><strong>Medical Confidence\u2122 Service<sup><a href=\"#legal-7\" data-dig-id=\"LP-15227-b59f3d4e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"7\" class=\"rbc-link-format\">7<\/a><\/sup>:<\/strong> Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.<\/li>\n\n\n\n<li><strong>Portable:<\/strong> You can keep your policy if you change jobs.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can apply?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Ages 18-64 (for illness coverage)<\/p>\n\n\n\n<p>Ages 18-69 (for injury coverage)<\/p>\n\n\n\n<p>Canadian citizens<\/p>\n\n\n\n<p>Permanent residents\/landed immigrants who are not planning to relocate out of Canada in the next 24 months<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-default default mob-mar-b-0 mar-b-0 mob-pad-b-0 pad-b-0 has-text-sm-font-size\"><strong>What&#8217;s covered?<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-9593e1d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title81cgoumt\" class=\"collapse-toggle collapsed\" data-target=\"#accordion81cgoumt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-2ef198e1\" aria-controls=\"accordion81cgoumt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Income protection benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Income protection benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion81cgoumt\" role=\"region\" aria-labelledby=\"accordion-title81cgoumt\"><div class=\"collapse-inner\">\n<p>First 36 months of disability: You are considered totally disabled if, due to injury or illness (if illness coverage was purchased), you are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Unable to perform the important duties of your regular occupation, and<\/li>\n\n\n\n<li>Not engaged in any other gainful occupation, and<\/li>\n\n\n\n<li>Receiving appropriate physician\u2019s care<\/li>\n<\/ul>\n\n\n\n<p>After 36 months of disability: You continue to be considered totally disabled if, due to injury or illness, you are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Unable to engage in any reasonable occupation for which you are, or may reasonably become, fitted by education, training or experience, and<\/li>\n\n\n\n<li>Receiving appropriate physician\u2019s care<\/li>\n<\/ul>\n\n\n\n<p><strong>Partial disability is described as follows:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>You are not totally disabled, and<\/li>\n\n\n\n<li>You are engaged in your regular occupation or any gainful occupation, and<\/li>\n\n\n\n<li>Due directly to continuing injury or illness (if illness coverage was purchased), you are unable to perform either:<\/li>\n\n\n\n<li>One or more important duties of your regular occupation, or<\/li>\n\n\n\n<li>The important duties of your regular occupation at least one-half of the time normally required; and<\/li>\n\n\n\n<li>You are receiving a physician\u2019s care<\/li>\n<\/ul>\n\n\n\n<p><strong><strong>Partial benefits<\/strong>&nbsp;<\/strong>are 50% of your total disability benefit and are payable for up to six months.<\/p>\n\n\n\n<p><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleli5lemgt\" class=\"collapse-toggle collapsed\" data-target=\"#accordionli5lemgt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-423c322f\" aria-controls=\"accordionli5lemgt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Accidental medical emergency reimbursement benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Accidental medical emergency reimbursement benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionli5lemgt\" role=\"region\" aria-labelledby=\"accordion-titleli5lemgt\"><div class=\"collapse-inner\">\n<p>If you have emergency medical expenses because of an accidental injury and you provide us with proof of payment for the expenses, we will reimburse you up to $10,000 for the reasonable and customary amounts of those expenses.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5km96l34\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5km96l34\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-18bd50a9\" aria-controls=\"accordion5km96l34\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Return to work assistance benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Return to work assistance benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5km96l34\" role=\"region\" aria-labelledby=\"accordion-title5km96l34\"><div class=\"collapse-inner\">\n<p>Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" data-dig-id=\"LP-15227-64d221ad\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"About Return to Work Benefits\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" rel=\"noreferrer noopener\">About Return to Work Benefits<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title44rkw1h2\" class=\"collapse-toggle collapsed\" data-target=\"#accordion44rkw1h2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-a0b50a98\" aria-controls=\"accordion44rkw1h2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Elimination period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Elimination period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion44rkw1h2\" role=\"region\" aria-labelledby=\"accordion-title44rkw1h2\"><div class=\"collapse-inner\">\n<p>This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from: 0, 30, 90 or 120 days for injury coverage and 30, 90 or 120 days for illness coverage.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9tk5by28\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9tk5by28\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-455e8002\" aria-controls=\"accordion9tk5by28\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Optional coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Optional coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9tk5by28\" role=\"region\" aria-labelledby=\"accordion-title9tk5by28\"><div class=\"collapse-inner\">\n<p>Choose from the following optional coverage (subject to eligibility):<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>24-Hour Coverage Benefit:<\/strong> This policy is non-occupational, which means it covers you when you are not working. If you choose this benefit, you will be covered 24 hours a day, at work, as well as outside of work. You may wish to purchase this optional benefit if you do not have workers&#8217; compensation or similar coverage.<\/li>\n\n\n\n<li><strong>Illness Coverage:<\/strong> Apply for an amount up to your equivalent monthly injury benefit.<\/li>\n\n\n\n<li><strong>Accidental Death and Dismemberment Benefit:<\/strong> If you sustain an accidental injury as outlined in your policy, or if you die as a result of an accident, you or your beneficiaries receive a specified benefit based on the type of injury.<\/li>\n\n\n\n<li><strong>Business Overhead Expense Benefit: <\/strong>Reimburses you for certain business overhead expenses (rent, utilities, salaries, etc.) if you become totally disabled and meet the conditions outlined in your policy.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title50zka3ye\" class=\"collapse-toggle collapsed\" data-target=\"#accordion50zka3ye\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-2c4ce577\" aria-controls=\"accordion50zka3ye\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Summary of exclusions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Summary of exclusions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion50zka3ye\" role=\"region\" aria-labelledby=\"accordion-title50zka3ye\"><div class=\"collapse-inner\">\n<p>We will not pay monthly benefits nor waive premiums for any period of disability that results, directly or indirectly, from:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Flying in an aircraft that is not a certified passenger aircraft operated by a properly certified pilot<\/li>\n\n\n\n<li>Participating in professional athletics or underwater activities, including scuba diving<\/li>\n\n\n\n<li>Engaging in certain dangerous activities such as mountaineering, indoor or outdoor rock climbing, caving, parachuting, sky diving, hang gliding, bungee jumping and racing<\/li>\n\n\n\n<li>Operating a motor vehicle while under the influence of any intoxicant or while you have a blood alcohol concentration in excess of 80 mg of alcohol per 100 ml of blood<\/li>\n\n\n\n<li>Self-inflicted harm or attempted suicide<\/li>\n\n\n\n<li>Committing a criminal offence<\/li>\n\n\n\n<li>Drugs and narcotics<\/li>\n\n\n\n<li>Riots or acts of war<\/li>\n\n\n\n<li>Pregnancy and childbirth<\/li>\n\n\n\n<li>Infections related to AIDS and HIV<\/li>\n\n\n\n<li>Subjective conditions (e.g. fibromyalgia, chronic fatigue syndrome)<\/li>\n\n\n\n<li>Mental and nervous disorders<\/li>\n\n\n\n<li>Participation in the armed forces<\/li>\n<\/ul>\n\n\n\n<p>This policy also contains limitations related to:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Back and neck injuries<\/li>\n\n\n\n<li>Degenerative disc disease<\/li>\n\n\n\n<li>Soft tissue injuries<\/li>\n<\/ul>\n\n\n\n<p>We also will not pay monthly benefits nor waive premiums for any:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Period of time you are in a jail, under house arrest, or otherwise incarcerated<\/li>\n\n\n\n<li>Injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Premiums are subject to change (can only be changed if we do so for an entire group of policyholders sharing similar characteristics)<\/p>\n\n\n\n<p>Pay no premiums while you&#8217;re collecting benefits<\/p>\n\n\n\n<p>As long as you pay your premiums as required, we cannot cancel the policy without your consent, up until you turn age 75 (injury coverage) or age 70 (illness coverage)<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0eq75jt9\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0eq75jt9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-a8f2b966\" aria-controls=\"accordion0eq75jt9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Renewing your policy\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Renewing your policy<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0eq75jt9\" role=\"region\" aria-labelledby=\"accordion-title0eq75jt9\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Policy is non-cancellable to&nbsp;age 65<\/li>\n\n\n\n<li>After&nbsp;age 65, it is renewable for life if your premiums are paid as required<\/li>\n\n\n\n<li>Rates and benefit periods are subject to change after&nbsp;age 65<\/li>\n<\/ul>\n\n\n\n<p>Your renewal options after&nbsp;age 65&nbsp;are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Up to age 75 and while employed full-time in a gainful occupation, you may continue the policy with a total disability benefit only with a maximum benefit period of 24 months. After age 75, the maximum benefit period is 12 months.<\/li>\n\n\n\n<li>If not employed full-time, you may elect a $100 per day benefit payable while confined to a hospital. The maximum benefit period for hospitalization is six months.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5>Policy documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only.<\/p>\n<\/div><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/fundamental-series-sample-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-15227-d9da5f88\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Fundamental Series\u2122 sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">The Fundamental Series\u2122 sample policy<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-624bc809\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-disability-insurance-1\">Disability insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-the-bridge-series\">The Bridge Series\u00ae<\/h4>\n\n\n\n<p>An affordable plan with numerous options to give you the right coverage. The Bridge Series\u00ae policy offers disability benefits, return to work assistance and options similar to The Foundation Series\u2122 policy, but at a lower cost.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Are a small business owner or manager<\/p>\n\n\n\n<p>A tradesperson<\/p>\n\n\n\n<p>A farmer<\/p>\n\n\n\n<p>A middle-income earner<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Total disability benefits: Receive a specified monthly benefit if illness or injury completely prevents you from working.<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-4fcfe729\" data-dig-label=\"5\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">5<\/a><\/sup><\/p>\n\n\n\n<p>Choice of benefit periods: Receive benefits for two years, five years, or until age 65.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" data-dig-id=\"LP-15227-3d00e554\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Return to work assistance benefits\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Return to work assistance benefits<\/a>: Receive services that can help you get back to your job.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlei2kuioar\" class=\"collapse-toggle collapsed\" data-target=\"#accordioni2kuioar\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-ff2d6117\" aria-controls=\"accordioni2kuioar\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Show more benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Show more benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioni2kuioar\" role=\"region\" aria-labelledby=\"accordion-titlei2kuioar\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Guaranteed Renewable:<\/strong>&nbsp;We cannot change or cancel the policy without your consent, up until you turn 65. Premiums are level, but may be subject to change. However, we cannot change your premiums unless we do so for an entire group of policyholders sharing similar characteristics.<\/li>\n\n\n\n<li><strong>Medical Confidence\u2122 Service<\/strong><sup><a href=\"#legal-7\" data-dig-id=\"LP-15227-c5f635eb\" data-dig-label=\"\ufffc7\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">7<\/a><\/sup>: Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.<\/li>\n\n\n\n<li><strong>Long-term Care Conversion Option:<\/strong>&nbsp;From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health.<sup><a href=\"#legal-8\" data-dig-id=\"LP-15227-1e4e6ec8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"8\" class=\"rbc-link-format\">8<\/a><\/sup><\/li>\n\n\n\n<li><strong>Waiver of Premium During Disability:<\/strong>&nbsp;Your premiums will be waived if you are disabled and being paid monthly benefits.<\/li>\n\n\n\n<li><strong>Portable:<\/strong>&nbsp;You can keep your policy if you change jobs.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can apply?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Ages 18-60<\/p>\n\n\n\n<p>Canadian citizens<\/p>\n\n\n\n<p>Permanent residents\/landed immigrants<\/p>\n\n\n\n<p>In some cases, individuals working part-time or new business owners may be eligible<\/p>\n\n\n\n<p>Are you a farmer? Ask about enhanced guidelines for proprietors of farms.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-default default mob-mar-b-0 mar-b-0 mob-pad-b-0 pad-b-0 has-text-sm-font-size\"><strong>What&#8217;s covered?<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-9593e1d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion mar-t-0 mob-mar-t-0 pad-t-0 mob-pad-t-0\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlepjhj06kh\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpjhj06kh\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-a8f2b966\" aria-controls=\"accordionpjhj06kh\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Income protection benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Income protection benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpjhj06kh\" role=\"region\" aria-labelledby=\"accordion-titlepjhj06kh\"><div class=\"collapse-inner\">\n<p>The policy pays a&nbsp;<strong>total disability benefit<\/strong>&nbsp;as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>First 24 months of disability:<\/strong>&nbsp;Subject to some limitations, you are considered totally disabled if, due to injury or illness, you are:<\/li>\n\n\n\n<li>Unable to perform the essential duties of your regular occupation, and<\/li>\n\n\n\n<li>Not engaged in any other gainful occupation, and<\/li>\n\n\n\n<li>Receiving appropriate physician\u2019s care<\/li>\n<\/ul>\n\n\n\n<p>(This is the &#8220;regular occupation&#8221; definition of disability.)<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>After 24 months of disability:<\/strong>&nbsp;You continue to be considered totally disabled if, due to injury or illness:<\/li>\n\n\n\n<li>With any reasonable assistance or modification of job duties and subject to some limitations, you are unable to perform the essential duties of any occupation for which you are reasonably fitted by education, training or experience, considering your prior economic status, and<\/li>\n\n\n\n<li>You are not working in a gainful occupation, and<\/li>\n\n\n\n<li>You are receiving appropriate physician\u2019s care<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong>&nbsp;You can purchase the optional Regular Occupation Extension Benefit rider to extend the &#8220;regular occupation&#8221; definition of disability above from 24 months to the end of your benefit period.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9wzql46w\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9wzql46w\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-90714b5c\" aria-controls=\"accordion9wzql46w\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Return to work assistance benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Return to work assistance benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9wzql46w\" role=\"region\" aria-labelledby=\"accordion-title9wzql46w\"><div class=\"collapse-inner\">\n<p>Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.<\/p>\n\n\n\n<p><a class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15227-a5731652\" data-dig-label=\"About Return to Work Benefits\" data-dig-action=\"link click\" data-dig-category=\"LP\">About Return to Work benefits<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef56dl478\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf56dl478\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-628b9c68\" aria-controls=\"accordionf56dl478\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Survivor benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Survivor benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf56dl478\" role=\"region\" aria-labelledby=\"accordion-titlef56dl478\"><div class=\"collapse-inner\">\n<p>If you die prior to age 65 while receiving total disability benefits, your beneficiary will receive a payment for three times the maximum monthly benefit payable at the time of death.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleoorymr65\" class=\"collapse-toggle collapsed\" data-target=\"#accordionoorymr65\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-b578c449\" aria-controls=\"accordionoorymr65\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Integration of benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Integration of benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionoorymr65\" role=\"region\" aria-labelledby=\"accordion-titleoorymr65\"><div class=\"collapse-inner\">\n<p>To ensure your benefits are coordinated with other sources of income received during disability, the policy includes an integration of benefits provision. If the sum of current earnings and other income or disability benefits exceeds 85% of your pre-disability income, then your payable benefits for disability will be reduced by that amount.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlesc3xixy7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionsc3xixy7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-5f8950f1\" aria-controls=\"accordionsc3xixy7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Elimination period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Elimination period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionsc3xixy7\" role=\"region\" aria-labelledby=\"accordion-titlesc3xixy7\"><div class=\"collapse-inner\">\n<p>This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from: 30, 60, 90, 120 and 180 days. (360 and 720 days are also available to some occupational classes. The two-year benefit period is not available with a 720-day elimination period.)<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewoeeai6v\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwoeeai6v\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-19067241\" aria-controls=\"accordionwoeeai6v\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Optional coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Optional coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwoeeai6v\" role=\"region\" aria-labelledby=\"accordion-titlewoeeai6v\"><div class=\"collapse-inner\">\n<p>Choose from the following optional coverage (subject to eligibility):<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Family Compassionate Care Rider:<\/strong>&nbsp;The Family Compassionate Leave rider provides a monthly benefit to insureds whose spouses or children are diagnosed with a terminal illness. The benefit matches the basic indemnity on the disability policy of the insured, and can continue to the earlier of 12 months of the death of the insured\u2019s family member. Premiums on the disability policy are waived while the benefit is being paid. *Not available with Wage Loss Replacement Plans<\/li>\n\n\n\n<li><strong>Regular Occupation Extension Benefit:<\/strong>&nbsp;Extend the regular occupation definition of disability from 24 months to the end of the benefit period. This ensures that you receive full benefits if you can&#8217;t work in your regular occupation, provided you are not engaged in any gainful occupation and are receiving a physician&#8217;s care.<\/li>\n\n\n\n<li><strong>Short-Term Partial Disability Benefit:<\/strong>&nbsp;Receive 50% of the total disability benefit for up to 12 months if you are partially disabled.<\/li>\n\n\n\n<li><strong>Long-Term Partial Disability Benefit:<\/strong>&nbsp;If you are partially disabled, receive 50% of the total disability benefit for the first 24 months and 25% of the total disability benefit for the duration of the benefit period.<\/li>\n\n\n\n<li><strong>Future Income Option:<\/strong>&nbsp;To keep pace with your rising income, this allows you to purchase additional coverage on each policy anniversary date, up to age 55, without having to prove your health status.<\/li>\n\n\n\n<li><strong>Cost of Living Benefit:<\/strong>&nbsp;While you are disabled, this benefit protects you against inflation, subject to limits.<\/li>\n\n\n\n<li><strong>Retirement Protector Rider:<\/strong>&nbsp;Helps you maintain deposits to a retirement savings plan (RSP) while you are totally disabled.<\/li>\n\n\n\n<li><strong>Hospitalization Benefit:<\/strong>&nbsp;Subject to certain limitations, after you have been hospitalized for 24 consecutive hours, you will receive a benefit for every day you are hospitalized. You will also receive an additional benefit four times the daily hospital benefit while you are in an intensive care unit.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0bg0nkfe\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0bg0nkfe\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-7bc70017\" aria-controls=\"accordion0bg0nkfe\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Summary of exclusions and limitations\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Summary of exclusions and limitations<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0bg0nkfe\" role=\"region\" aria-labelledby=\"accordion-title0bg0nkfe\"><div class=\"collapse-inner\">\n<p>Benefits are not paid for disabilities due to:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>An act or accident of war<\/li>\n\n\n\n<li>Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)<\/li>\n\n\n\n<li>Any injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force<\/li>\n\n\n\n<li>Opportunistic infections or other illnesses that physicians commonly associate with Acquired Immune Deficiency Syndrome (AIDS) or the Human Immunodeficiency Virus if you had either AIDS or HIV prior to the issue date of your policy<\/li>\n\n\n\n<li>24 month limitation for mental, psychiatric or emotional disorders <\/li>\n\n\n\n<li>24 month limitation for soft tissue injuries, degenerative disc disease and specified chronic diseases.<\/li>\n<\/ul>\n\n\n\n<p>In addition, the policy won&#8217;t pay a benefit for any period during which you are incarcerated.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Pay level premiums, which are subject to change (can only be changed if we do so for an entire group of policyholders sharing similar characteristics)<\/p>\n\n\n\n<p>Pay no premiums while you&#8217;re collecting benefits<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4x5zwq8l\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4x5zwq8l\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-f63952ea\" aria-controls=\"accordion4x5zwq8l\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Renewing your policy\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Renewing your policy<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4x5zwq8l\" role=\"region\" aria-labelledby=\"accordion-title4x5zwq8l\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Guaranteed renewable to&nbsp;age 65&nbsp;(policy can&#8217;t be changed or canceled without your consent)<\/li>\n\n\n\n<li>After age 65, while you are employed full-time in a gainful occupation, you may continue the policy for total disability only<\/li>\n\n\n\n<li>The maximum benefit period after&nbsp;age 65&nbsp;in&nbsp;24 months<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5>Policy documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only.<\/p>\n<\/div><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/bridge-series-sample-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-15227-e5838143\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Bridge Series\u00ae sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">The Bridge Series\u00ae sample policy<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-624bc809\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_a7hauqn8w\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h3 class=\"comparisonCards__heading\">For high-income earners &amp; executives<\/h3><p class=\"rbc-override-margin\"><\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"a7hauqn8w\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-disability-insurance-2\">Disability insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-the-professional-series\">The Professional Series\u00ae<\/h4>\n\n\n\n<p>The Professional Series\u00ae policy provides long-term disability coverage and return to work benefits that are designed around your unique needs.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Need a higher level of income protection<\/p>\n\n\n\n<p>Are a business owner, executive, doctor, lawyer, accountant, etc.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p><strong>Total Disability Benefits:<\/strong>&nbsp;Receive a specified monthly benefit if illness or injury completely prevents you from working<sup><a href=\"#legal-6\" data-dig-id=\"LP-15227-8e3c9c15\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"6\" class=\"rbc-link-format\">6<\/a><\/sup>.<\/p>\n\n\n\n<p><strong>Partial and Residual Disability Benefits:<\/strong>&nbsp;Makes your transition back to work easier if, as a result of injury or illness, you are only able to work part-time.<\/p>\n\n\n\n<p><strong>Choice of Benefit Periods:<\/strong>&nbsp;Receive benefits for two years, five years or until age 65.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" data-dig-id=\"LP-15227-aeaabc8e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Return to Work Assistance Benefits:\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Return to Work Assistance Benefits:<\/a> Receive services that can help you get back to your job.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0uwlwy6x\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0uwlwy6x\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-8f3ec97f\" aria-controls=\"accordion0uwlwy6x\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Show more benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Show more benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0uwlwy6x\" role=\"region\" aria-labelledby=\"accordion-title0uwlwy6x\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Non-Cancellable:<\/strong>&nbsp;We cannot change the policy or premiums, or cancel the policy without your consent, up until you turn age 65. (Rates and benefit periods are subject to change after age 65.)<\/li>\n\n\n\n<li><strong>Recovery Benefit:<\/strong>&nbsp;Pays a portion of your monthly benefit for up to four months during your initial return to full-time work after a total or residual disability (two months for a partial disability), if you have a 20% or more decrease in earnings.<\/li>\n\n\n\n<li><strong>Medical Confidence\u2122 Service<sup><a href=\"#legal-7\" data-dig-id=\"LP-15227-e85a281e\" data-dig-label=\"7\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">7<\/a><\/sup>:<\/strong> Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.<\/li>\n\n\n\n<li><strong>Long-Term Care Conversion Option:<\/strong>&nbsp;From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health.<\/li>\n\n\n\n<li><strong>Waiver of Premium During Disability:<\/strong>&nbsp;Your premiums will be waived if you are disabled and being paid monthly benefits.<\/li>\n\n\n\n<li><strong>Health Care Profession Rider:<\/strong>&nbsp;If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled.<\/li>\n\n\n\n<li><strong>Portable:<\/strong>&nbsp;You can keep your policy if you change jobs.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can apply?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Ages 18-60<\/p>\n\n\n\n<p>Canadian citizens<\/p>\n\n\n\n<p>Permanent residents\/landed immigrants<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-default default mob-mar-b-0 mar-b-0 mob-pad-b-0 pad-b-0 has-text-sm-font-size\"><strong>What&#8217;s covered?<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-9593e1d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekuamxgg6\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkuamxgg6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-4dbc318f\" aria-controls=\"accordionkuamxgg6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Income protection benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Income protection benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkuamxgg6\" role=\"region\" aria-labelledby=\"accordion-titlekuamxgg6\"><div class=\"collapse-inner\">\n<p>Choose to receive benefits for two years, five years or until age 65.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>The plan provides benefits for three definitions of disability: total disability, partial disability and residual disability.<\/li>\n\n\n\n<li><strong>Total disability benefits:<\/strong>&nbsp;Payable if, as a result of injury or illness, you are:<\/li>\n\n\n\n<li>Unable to perform the important duties of your regular occupation, and<\/li>\n\n\n\n<li>Not engaged in any gainful occupation, and<\/li>\n\n\n\n<li>Receiving appropriate physician\u2019s care<\/li>\n\n\n\n<li><strong>Partial disability benefits:<\/strong>&nbsp;To meet the definition of partial disability, you must not be totally disabled and must be engaged in your regular occupation or another job at the time of partial disability. You are considered partially disabled if, due directly to injury or illness, you are:<\/li>\n\n\n\n<li>Unable to perform one or more of the important duties of your regular occupation or the important duties of your occupation at least one-half of the time normally required, and<\/li>\n\n\n\n<li>Receiving appropriate physician\u2019s care<\/li>\n<\/ul>\n\n\n\n<p>Eligibility for partial disability benefits is based on the loss of time or your inability to perform your duties as a result of injury or illness. The benefit is payable up to the end of your benefit period with 50% of the maximum monthly benefit payable for the first 24 months and 25% payable for the remainder of the benefit period.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Residual disability benefits:<\/strong>&nbsp;To meet the definition of residual disability, you must not be totally disabled and must be engaged in your occupation or other job at the time of residual disability. You are considered residually disabled if you have a loss of earnings of at least 20% and are receiving appropriate physician&#8217;s care.<\/li>\n<\/ul>\n\n\n\n<p>Eligibility for residual disability benefits is based on a loss of earnings as a result of injury or illness. A proportionate benefit is payable based on your percentage of lost earnings.<\/p>\n\n\n\n<p><strong>Note:<\/strong>&nbsp;At any one time during a partial disability, you may switch to residual disability benefits. In addition, you will be reimbursed for any additional residual disability benefit you would have received during the 12 months prior to switching.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewge0z8fb\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwge0z8fb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-bfd7d80d\" aria-controls=\"accordionwge0z8fb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Return to work assistance benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Return to work assistance benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwge0z8fb\" role=\"region\" aria-labelledby=\"accordion-titlewge0z8fb\"><div class=\"collapse-inner\">\n<p>Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" data-dig-id=\"LP-15227-c2ce2989\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"About Return to Work Benefits\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" rel=\"noreferrer noopener\">About Return to Work Benefits<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titles56ut66d\" class=\"collapse-toggle collapsed\" data-target=\"#accordions56ut66d\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-28f986c1\" aria-controls=\"accordions56ut66d\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Survivor benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Survivor benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordions56ut66d\" role=\"region\" aria-labelledby=\"accordion-titles56ut66d\"><div class=\"collapse-inner\">\n<p>If you die prior to age 65 while receiving total disability benefits, your beneficiary will receive a payment for three times the maximum monthly benefit payable at the time of death.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleyysfn5ne\" class=\"collapse-toggle collapsed\" data-target=\"#accordionyysfn5ne\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-f0fd54ea\" aria-controls=\"accordionyysfn5ne\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Elimination period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Elimination period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionyysfn5ne\" role=\"region\" aria-labelledby=\"accordion-titleyysfn5ne\"><div class=\"collapse-inner\">\n<p>This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from the following: 30, 60, 90, 120, 180, 365 or 730 days. (The two-year benefit period is not available with a 730-day elimination period.)<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlek2dpz30e\" class=\"collapse-toggle collapsed\" data-target=\"#accordionk2dpz30e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-a9ffbecb\" aria-controls=\"accordionk2dpz30e\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Optional coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Optional coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionk2dpz30e\" role=\"region\" aria-labelledby=\"accordion-titlek2dpz30e\"><div class=\"collapse-inner\">\n<p>Choose from the following optional coverage (subject to eligibility)<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-2e69b901\" data-dig-label=\"5\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">5<\/a><\/sup>:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Family Compassionate Care Rider:<\/strong> The Family Compassionate Leave rider provides a monthly benefit to insureds whose spouses or children are diagnosed with a terminal illness. The benefit matches the basic indemnity on the disability policy of the insured, and can continue to the earlier of 12 months of the death of the insured\u2019s family member. Premiums on the disability policy are waived while the benefit is being paid. *Not available with Wage Loss Replacement Plans<\/li>\n\n\n\n<li><strong>Additional Monthly Benefits:<\/strong> Adds more coverage to your base coverage.<\/li>\n\n\n\n<li><strong>Future Income Option:<\/strong> To keep pace with your rising income, this allows you to purchase additional coverage on each policy anniversary date, up to age 55, without having to prove your health status.<\/li>\n\n\n\n<li><strong>Cost of Living Benefit:<\/strong> While you are disabled, this benefit protects you against inflation, subject to limits.<\/li>\n\n\n\n<li><strong>Disability in Your Occupation Benefit:<\/strong> Enhances your policy&#8217;s definition of total disability to disregard participation in other occupations while you are totally disabled in your primary occupation.<\/li>\n\n\n\n<li><strong>Retirement Protector Rider:<\/strong> Helps you maintain deposits to a retirement savings plan (RSP) while you are totally disabled.<\/li>\n\n\n\n<li><strong>First Day of Hospitalization Benefit:<\/strong> Waives the waiting period for total disability as long as you satisfy the policy&#8217;s definition of total disability and have been hospitalized for 72 consecutive hours. This ensures payment of the total disability benefit from the first day of hospitalization.<\/li>\n\n\n\n<li><strong>Accidental Death and Dismemberment Benefit:<\/strong> If you sustain an accidental injury as outlined in your policy, or if you die as a result of an accident, you or your beneficiaries receive a specified benefit based on the type of injury.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecyqg0bmx\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncyqg0bmx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-154f584d\" aria-controls=\"accordioncyqg0bmx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Summary of exclusions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Summary of exclusions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncyqg0bmx\" role=\"region\" aria-labelledby=\"accordion-titlecyqg0bmx\"><div class=\"collapse-inner\">\n<p>Benefits are not paid for disabilities due to:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>An act or accident of war<\/li>\n\n\n\n<li>Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)<\/li>\n\n\n\n<li>Any injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force<\/li>\n<\/ul>\n\n\n\n<p>In addition, the policy won&#8217;t pay a benefit for any period during which you are incarcerated.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Choose from two premium options:<\/p>\n\n\n\n<p>Level premiums guaranteed to age 65 (we cannot change your premiums)<\/p>\n\n\n\n<p>Step rate premiums (ages 18-35 only), which let you pay less while you\u2019re getting your career off the ground (guaranteed to age 65)<\/p>\n\n\n\n<p>Pay no premiums while you\u2019re collecting benefits<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleohohdpy3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionohohdpy3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-ab081750\" aria-controls=\"accordionohohdpy3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Renewing your policy\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Renewing your policy<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionohohdpy3\" role=\"region\" aria-labelledby=\"accordion-titleohohdpy3\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Policy is non-cancellable to&nbsp;age 65<\/li>\n\n\n\n<li>After&nbsp;age 65, it is renewable for life if your premiums are paid as required<\/li>\n\n\n\n<li>Rates and benefit periods are subject to change after&nbsp;age 65<\/li>\n<\/ul>\n\n\n\n<p>Your renewal options after&nbsp;age 65&nbsp;are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Up to age 75 and while employed full-time in a gainful occupation, you may continue the policy with a total disability benefit only with a maximum benefit period of 24 months. After age 75, the maximum benefit period is 12 months.<\/li>\n\n\n\n<li>If not employed full-time, you may elect a $100 per day benefit payable while confined to a hospital. The maximum benefit period for hospitalization is six months.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5>Policy documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only.<\/p>\n<\/div><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/professional-series-sample-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-15227-5c602b1e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Professional Series\u00ae sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">The Professional Series\u00ae sample policy<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-624bc809\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_a7hauqn8w\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h3 class=\"comparisonCards__heading\">For small business owners &amp; skilled workers<\/h3><p class=\"rbc-override-margin\"><\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"a7hauqn8w\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-disability-insurance-3\">Disability insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-the-foundation-series\">The Foundation Series\u2122<\/h4>\n\n\n\n<p>The Foundation Series\u2122 policy provides total disability benefits and broad return to work assistance. Offering flexible options, we can design a policy to fit your needs and budget.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Are a small business owner or manager<\/p>\n\n\n\n<p>A tradesperson<\/p>\n\n\n\n<p>A farmer<\/p>\n\n\n\n<p>A middle-income earner<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Total disability benefits: Receive a specified monthly benefit if illness or injury completely prevents you from working.<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-4fcfe729\" data-dig-label=\"5\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">5<\/a><\/sup><\/p>\n\n\n\n<p>Choice of benefit periods: Receive benefits for two years, five years, or until age 65.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" data-dig-id=\"LP-15227-3d00e554\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Return to work assistance benefits\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Return to work assistance benefits<\/a>: Receive services that can help you get back to your job.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezlvavwyr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzlvavwyr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-c9e34b86\" aria-controls=\"accordionzlvavwyr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Show more benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Show more benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzlvavwyr\" role=\"region\" aria-labelledby=\"accordion-titlezlvavwyr\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Non-Cancellable: We cannot change the policy or premiums, or cancel the policy without your consent, up until you turn age 65. (Rates and benefit periods are subject to change after age 65.)<\/li>\n\n\n\n<li>Medical Confidence\u2122<sup><a href=\"#legal-7\" data-dig-id=\"LP-15227-b4cedb86\" data-dig-label=\"7\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">7<\/a><\/sup>: Receive faster access to care and treatment by<br>appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.<\/li>\n\n\n\n<li>Long-Term Care Conversion Option: From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health.<\/li>\n\n\n\n<li>Waiver of Premium During Disability: Your premiums will be waived if you are disabled and being paid monthly benefits.<\/li>\n\n\n\n<li>Health Care Profession Rider: If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled.<\/li>\n\n\n\n<li>Portable: You can keep your policy if you change jobs.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can apply?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Ages 18-60<\/p>\n\n\n\n<p>Canadian citizens<\/p>\n\n\n\n<p>Permanent residents\/landed immigrants<\/p>\n\n\n\n<p>Are you a farmer? Ask about enhanced guidelines for proprietors of farms.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-default default mob-mar-b-0 mar-b-0 mob-pad-b-0 pad-b-0 has-text-sm-font-size\"><strong>What&#8217;s covered?<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-9593e1d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledo31db7l\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondo31db7l\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-4f7c1d95\" aria-controls=\"accordiondo31db7l\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Income protection benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Income protection benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondo31db7l\" role=\"region\" aria-labelledby=\"accordion-titledo31db7l\"><div class=\"collapse-inner\">\n<p>The policy pays a&nbsp;<strong>total disability benefit<\/strong>&nbsp;as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>First 24 months of disability:<\/strong>&nbsp;Subject to some limitations, you are considered totally disabled if, due to injury or illness, you are:<\/li>\n\n\n\n<li>Unable to perform the essential duties of your regular occupation, and<\/li>\n\n\n\n<li>Not engaged in any other gainful occupation, and<\/li>\n\n\n\n<li>Receiving appropriate physician\u2019s care<\/li>\n<\/ul>\n\n\n\n<p>(This is the &#8220;regular occupation&#8221; definition of disability.)<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>After 24 months of disability:<\/strong>&nbsp;You continue to be considered totally disabled if, due to injury or illness:<\/li>\n\n\n\n<li>With any reasonable assistance or modification of job duties and subject to some limitations, you are unable to perform the essential duties of any occupation for which you are reasonably fitted by education, training or experience, considering your prior economic status, and<\/li>\n\n\n\n<li>You are not working in a gainful occupation, and<\/li>\n\n\n\n<li>You are receiving appropriate physician\u2019s care<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong>&nbsp;You can purchase the optional Enhanced Definition of Disability Benefit rider to extend the &#8220;regular occupation&#8221; definition of disability above from 24 months to the end of your benefit period.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlep9ei8pmc\" class=\"collapse-toggle collapsed\" data-target=\"#accordionp9ei8pmc\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-761020f5\" aria-controls=\"accordionp9ei8pmc\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Return to work assistance benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Return to work assistance benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionp9ei8pmc\" role=\"region\" aria-labelledby=\"accordion-titlep9ei8pmc\"><div class=\"collapse-inner\">\n<p>Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" data-dig-id=\"LP-15227-a5731652\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"About Return to Work Benefits\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" rel=\"noreferrer noopener\">About Return to Work Benefits<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlejhrdfco1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjhrdfco1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-cb17f9e9\" aria-controls=\"accordionjhrdfco1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Survivor benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Survivor benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjhrdfco1\" role=\"region\" aria-labelledby=\"accordion-titlejhrdfco1\"><div class=\"collapse-inner\">\n<p>If you die prior to age 65 while receiving total disability benefits, your beneficiary will receive a payment for three times the maximum monthly payable at the time of death.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleobuhdwuv\" class=\"collapse-toggle collapsed\" data-target=\"#accordionobuhdwuv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-37132be1\" aria-controls=\"accordionobuhdwuv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Integration of benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Integration of benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionobuhdwuv\" role=\"region\" aria-labelledby=\"accordion-titleobuhdwuv\"><div class=\"collapse-inner\">\n<p>If you receive any benefits related to your disability under your auto insurance coverage, your disability benefits will be reduced by that amount.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlefz6fmzv7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfz6fmzv7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-c6b38745\" aria-controls=\"accordionfz6fmzv7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Elimination period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Elimination period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfz6fmzv7\" role=\"region\" aria-labelledby=\"accordion-titlefz6fmzv7\"><div class=\"collapse-inner\">\n<p>This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from: 30, 60, 90, 120 and 180 days. (360 and 720 days are also available to some occupational classes. The two-year benefit period is not available with a 720-day elimination period.)<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekastfpuq\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkastfpuq\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-fc81d351\" aria-controls=\"accordionkastfpuq\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Optional coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Optional coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkastfpuq\" role=\"region\" aria-labelledby=\"accordion-titlekastfpuq\"><div class=\"collapse-inner\">\n<p>Choose from the following optional coverage (subject to eligibility):<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Family Compassionate Care Rider:<\/strong>&nbsp;The Family Compassionate Leave rider provides a monthly benefit to insureds whose spouses or children are diagnosed with a terminal illness. The benefit matches the basic indemnity on the disability policy of the insured, and can continue to the earlier of 12 months of the death of the insured\u2019s family member. Premiums on the disability policy are waived while the benefit is being paid. *Not available with Wage Loss Replacement Plans<\/li>\n\n\n\n<li><strong>Additional Monthly Benefits:<\/strong>&nbsp;Adds more coverage to your base coverage.<\/li>\n\n\n\n<li><strong>Enhanced Definition of Disability Benefit:<\/strong>&nbsp;Extend the regular occupation definition of disability from 24 months to the end of the benefit period. This ensures that you receive full benefits if you can&#8217;t work in your regular occupation, provided you are not engaged in any gainful occupation and are receiving a physician&#8217;s care.<\/li>\n\n\n\n<li><strong>Partial Disability Benefit:<\/strong>&nbsp;Receive a portion of your total disability benefit if you are partially disabled, as defined by the policy.<\/li>\n\n\n\n<li><strong>Future Income Option:<\/strong>&nbsp;To keep pace with your rising income, this allows you to purchase additional coverage on each policy anniversary date, up to age 55, without having to prove your health status.<\/li>\n\n\n\n<li><strong>Cost of Living Benefit:<\/strong>&nbsp;While you are disabled, this benefit protects you against inflation, subject to limits.<\/li>\n\n\n\n<li><strong>Retirement Protector Rider:<\/strong>&nbsp;Helps you maintain deposits to a retirement savings plan (RSP) while you are totally disabled.<\/li>\n\n\n\n<li><strong>First Day of Hospitalization Benefit:<\/strong>&nbsp;Waives the waiting period for total disability as long as you satisfy the policy&#8217;s definition of total disability and have been hospitalized for 72 consecutive hours. This ensures payment of the total disability benefit from the first day of hospitalization.<\/li>\n\n\n\n<li><strong>Accidental Death and Dismemberment Benefit:<\/strong>&nbsp;If you sustain an accidental injury as outlined in your policy, or if you die as a result of an accident, you or your beneficiaries receive a specified benefit based on the type of injury.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title36y62xfh\" class=\"collapse-toggle collapsed\" data-target=\"#accordion36y62xfh\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-4420ca2b\" aria-controls=\"accordion36y62xfh\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Summary of exclusions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Summary of exclusions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion36y62xfh\" role=\"region\" aria-labelledby=\"accordion-title36y62xfh\"><div class=\"collapse-inner\">\n<p>Benefits are not paid for disabilities due to:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>An act or accident of war<\/li>\n\n\n\n<li>Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)<\/li>\n\n\n\n<li>Any injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force<\/li>\n<\/ul>\n\n\n\n<p>In addition, the policy won&#8217;t pay a benefit for any period during which you are incarcerated.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Level premiums guaranteed to&nbsp;age 65&nbsp;(we cannot change your premiums)<\/p>\n\n\n\n<p>Step rate premiums (ages 18-35 only), which let you pay less while you\u2019re getting your career off the ground (guaranteed to&nbsp;age 65)<\/p>\n\n\n\n<p>Pay no premiums while you&#8217;re collecting benefits<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemvdtt32x\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmvdtt32x\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-c599f23a\" aria-controls=\"accordionmvdtt32x\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Renewing your policy\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Renewing your policy<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmvdtt32x\" role=\"region\" aria-labelledby=\"accordion-titlemvdtt32x\"><div class=\"collapse-inner\">\n<p>Your renewal options after&nbsp;age 65&nbsp;are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Policy is non-cancellable to&nbsp;age 65<\/li>\n\n\n\n<li>After&nbsp;age 65, it is renewable for life if your premiums are paid as required<\/li>\n\n\n\n<li>Rates and benefit periods are subject to change after&nbsp;age 65<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5>Policy documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only.<\/p>\n<\/div><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/foundation-series-sample-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-15227-221698a7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Foundation Series\u00ae sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">The Foundation Series\u00ae sample policy<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-624bc809\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-disability-insurance-4\">Disability insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-quantum\">Quantum\u00ae<\/h4>\n\n\n\n<p>The Quantum\u00ae policy offers quality disability coverage and return to work benefits in case an injury or illness causes you to lose 20% or more of your earnings.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Need a higher level of income protection<\/p>\n\n\n\n<p>Are a business owner, executive, doctor, lawyer, accountant, etc or a fee-for-service professional.<\/p>\n\n\n\n<p>Want quality disability coverage similar to the Professional Series, but that takes a different approach to providing long-term individual disability income protection<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p><strong>Disability Benefits:<\/strong>&nbsp;Receive a specified monthly benefit if illness or injury reduces your ability to work and causes at least a 20% loss of earnings.<\/p>\n\n\n\n<p><strong>Choice of Benefit Periods:<\/strong>&nbsp;Receive benefits for two years, five years, or until&nbsp;age 65.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" data-dig-id=\"LP-15227-25c0f34a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Return to Work Assistance Benefits\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Return to Work Assistance Benefits<\/a>: Receive services that can help you get back to your job.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletwqytc41\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontwqytc41\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-dbfd90fe\" aria-controls=\"accordiontwqytc41\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Show more benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Show more benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontwqytc41\" role=\"region\" aria-labelledby=\"accordion-titletwqytc41\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Guaranteed Renewable:<\/strong>&nbsp;We cannot change or cancel the policy without your consent, up until you turn 65. Premiums are level, but may be subject to change. However, we cannot change your premiums unless we do so for an entire group of policyholders sharing similar characteristics.<\/li>\n\n\n\n<li><strong>Recovery Benefit:<\/strong>&nbsp;Pays a portion of your monthly benefit for up to 12 months if you are no longer disabled, are able to work in a reasonable occupation, have a 20% or more decrease in prior earnings and meet the other conditions of the policy.<\/li>\n\n\n\n<li><strong>Medical Confidence\u2122 Service<sup><a href=\"#legal-7\" data-dig-id=\"LP-15227-2f3e7fe5\" data-dig-label=\"7\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">7<\/a><\/sup>: <\/strong>Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.<\/li>\n\n\n\n<li><strong>Waiver of Premium During Disability:<\/strong>&nbsp;Your premiums will be waived if you are disabled and being paid monthly benefits.<\/li>\n\n\n\n<li><strong>Health Care Profession Rider:<\/strong>&nbsp;If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled<sup><a href=\"#legal-9\" data-dig-id=\"LP-15227-498043ea\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"9\" class=\"rbc-link-format\">9<\/a><\/sup>.<\/li>\n\n\n\n<li><strong>Portable:<\/strong>&nbsp;You can keep your policy if you change jobs.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can apply?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Ages 18-60<\/p>\n\n\n\n<p>Canadian citizens<\/p>\n\n\n\n<p>Permanent residents\/landed immigrants<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-default default mob-mar-b-0 mar-b-0 mob-pad-b-0 pad-b-0 has-text-sm-font-size\"><strong>What&#8217;s covered?<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-9593e1d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleoht8020e\" class=\"collapse-toggle collapsed\" data-target=\"#accordionoht8020e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-223f987e\" aria-controls=\"accordionoht8020e\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Income protection benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Income protection benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionoht8020e\" role=\"region\" aria-labelledby=\"accordion-titleoht8020e\"><div class=\"collapse-inner\">\n<p>The policy pays a disability benefit due to injury or illness if you:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Have a reduced ability to work that results in a loss of earnings of 20% or more; and<\/li>\n\n\n\n<li>Are receiving the appropriate physician\u2019s care (we may waive this requirement if we determine that continued care would not benefit you)<\/li>\n<\/ul>\n\n\n\n<p>In addition, you are required to work in a reasonable occupation to the extent that you are able.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6hyasc6p\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6hyasc6p\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-724b7cd4\" aria-controls=\"accordion6hyasc6p\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Return to work assistance benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Return to work assistance benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6hyasc6p\" role=\"region\" aria-labelledby=\"accordion-title6hyasc6p\"><div class=\"collapse-inner\">\n<p>Customized return to work benefits provide financial benefits, as well as rehabilitation, retraining, work-site modifications and other services to assist you in returning to full-time work.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/return-to-work-benefits.html\" target=\"_blank\" data-dig-id=\"LP-15227-57aeaf74\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"About Return to Work Benefits\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" rel=\"noreferrer noopener\">About Return to Work Benefits<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleqykck9j6\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqykck9j6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-11ce87a9\" aria-controls=\"accordionqykck9j6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Integration of benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Integration of benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqykck9j6\" role=\"region\" aria-labelledby=\"accordion-titleqykck9j6\"><div class=\"collapse-inner\">\n<p>To ensure your benefits are coordinated with other sources of income received during disability, the policy includes an integration of benefits provision. If the sum of current earnings and other income or disability benefits exceeds 85% of your pre-disability income, then your payable benefits for disability will be reduced by that amount.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title76bx34rk\" class=\"collapse-toggle collapsed\" data-target=\"#accordion76bx34rk\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-d0da6e02\" aria-controls=\"accordion76bx34rk\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Elimination period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Elimination period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion76bx34rk\" role=\"region\" aria-labelledby=\"accordion-title76bx34rk\"><div class=\"collapse-inner\">\n<p>This is the number of days between the onset of a disability and the day you begin receiving benefits. You can choose from: 30, 60, 90, 120, 180, 365 and 730 days. (The two-year benefit period is not available with a 730-day elimination period.)<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3om5kvrb\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3om5kvrb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-bece9d10\" aria-controls=\"accordion3om5kvrb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Optional coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Optional coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3om5kvrb\" role=\"region\" aria-labelledby=\"accordion-title3om5kvrb\"><div class=\"collapse-inner\">\n<p>Choose from the following optional coverage (subject to eligibility)<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-627cb625\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup>:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Family Compassionate Care Rider:<\/strong>&nbsp;The Family Compassionate Leave rider provides a monthly benefit to insureds whose spouses or children are diagnosed with a terminal illness. The benefit matches the basic indemnity on the disability policy of the insured, and can continue to the earlier of 12 months of the death of the insured\u2019s family member. Premiums on the disability policy are waived while the benefit is being paid.<br>*Not available with Wage Loss Replacement Plans<\/li>\n\n\n\n<li><strong>Long-Term Care Conversion Option:<\/strong>&nbsp;From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health<\/li>\n\n\n\n<li><strong>Additional Monthly Benefits:<\/strong>&nbsp;Adds more coverage to your base coverage.<\/li>\n\n\n\n<li><strong>Future Income Option:<\/strong>&nbsp;To keep pace with your rising income, this allows you to purchase additional coverage on each policy anniversary date, up to age 55, without having to prove your health status.<\/li>\n\n\n\n<li><strong>Cost of Living Benefit:&nbsp;<\/strong>While you are disabled, this benefit protects you against inflation, subject to limits.<\/li>\n\n\n\n<li><strong>Retirement Protector Rider:<\/strong>&nbsp;Helps you maintain deposits to a retirement savings plan (RSP) while you are totally disabled.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlehj157cuc\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhj157cuc\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-2fe78491\" aria-controls=\"accordionhj157cuc\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Summary of exclusions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Summary of exclusions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhj157cuc\" role=\"region\" aria-labelledby=\"accordion-titlehj157cuc\"><div class=\"collapse-inner\">\n<p>Benefits are not paid for disabilities due to:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>An act or accident of war<\/li>\n\n\n\n<li>Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)<\/li>\n\n\n\n<li>Any injury sustained or illness which first manifests itself before your policy becomes effective or while your policy is not in force<\/li>\n<\/ul>\n\n\n\n<p>In addition, the policy won&#8217;t pay a benefit for any period during which you are incarcerated.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Premiums for injury coverage cannot be changed unless we do so for an entire group of policyholders sharing similar characteristics<\/p>\n\n\n\n<p>Step rate premiums (ages 18-35 only), which let you pay less while you&#8217;re getting your career off the ground (guaranteed to&nbsp;age 65)<\/p>\n\n\n\n<p>Pay no premiums while you&#8217;re collecting benefits (after you have been disabled for 90 days).<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlepevaegdx\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpevaegdx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-2c91e4d3\" aria-controls=\"accordionpevaegdx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Renewing your policy\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Renewing your policy<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpevaegdx\" role=\"region\" aria-labelledby=\"accordion-titlepevaegdx\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Guaranteed renewable to age 65 (policy can\u2019t be changed or canceled without your consent)<\/li>\n\n\n\n<li>After age 65, while you are employed full-time in a gainful occupation up to age 75, you may continue the policy for 24 months; thereafter, the maximum benefit period is 12 months<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5>Policy documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only.<\/p>\n<\/div><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/quantum-sample-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-15227-b5bc3e52\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Quantum\u00ae sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">The Quantum\u00ae sample policy<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-624bc809\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_a7hauqn8w\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h3 class=\"comparisonCards__heading\">For retirement planning<\/h3><p class=\"rbc-override-margin\"><\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"a7hauqn8w\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-disability-insurance-5\">Disability insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-retirement-protector\">Retirement Protector<\/h4>\n\n\n\n<p>Save for your retirement\u2014even if a disability keeps you from earning. An ideal companion policy to our other disability plans, the Retirement Protector policy will make contributions to your retirement savings plan (RSP) if you experience a total disability.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Are currently contributing to an RSP<\/p>\n\n\n\n<p>Don&#8217;t have a company pension plan<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>RSP contributions: If an injury or illness prevents you from working, the policy will continue making contributions to your RSP.<sup><a href=\"#legal-6\" data-dig-id=\"LP-15227-d2d7c190\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"6\" class=\"rbc-link-format\">6<\/a><\/sup><\/p>\n\n\n\n<p>Non-cancellable and guaranteed continuable: Policy cannot be cancelled without your consent, up until age 65.<\/p>\n\n\n\n<p>Benefit period: Depending on your occupation, you can receive benefits for either 10 years or to age 65.<\/p>\n\n\n\n<p>Portable: You can keep your policy if you change jobs.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title8evrbaxj\" class=\"collapse-toggle collapsed\" data-target=\"#accordion8evrbaxj\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-9e5e59de\" aria-controls=\"accordion8evrbaxj\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Show more benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Show more benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion8evrbaxj\" role=\"region\" aria-labelledby=\"accordion-title8evrbaxj\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Rehabilitation:<\/strong>&nbsp;If you enter an approved vocational rehabilitation program, we will waive the requirement of total disability and help pay for the program, subject to the terms of your policy.<\/li>\n\n\n\n<li><strong>Health Care Profession Rider:<\/strong>&nbsp;If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled.<sup><a href=\"#legal-9\" data-dig-id=\"LP-15227-58c685f3\" data-dig-label=\"9\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">9<\/a><\/sup><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can apply?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Ages 18-55<\/p>\n\n\n\n<p>Canadian citizens<\/p>\n\n\n\n<p>Permanent residents\/landed immigrants<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-default default mob-mar-b-0 mar-b-0 mob-pad-b-0 pad-b-0 has-text-sm-font-size\"><strong>What&#8217;s covered?<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-9593e1d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion mar-t-0 mob-mar-t-0 pad-t-0 mob-pad-t-0\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled5j5klcw\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond5j5klcw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-a8f2b966\" aria-controls=\"accordiond5j5klcw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Retirement savings contributions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Retirement savings contributions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond5j5klcw\" role=\"region\" aria-labelledby=\"accordion-titled5j5klcw\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Total disability benefits<\/strong>&nbsp;between $300 and $1,500 per month<sup><a href=\"#legal-13\" data-dig-id=\"LP-15227-cada9c96\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"13 \" class=\"rbc-link-format\">13 <\/a><\/sup>are payable if, due to injury or illness, you are:<\/li>\n\n\n\n<li>Unable to perform the important duties of your regular occupation, and<\/li>\n\n\n\n<li>Not engaged in any other gainful occupation, and<\/li>\n\n\n\n<li>Receiving appropriate physician\u2019s care and treatment<\/li>\n\n\n\n<li><strong>Note:<\/strong>&nbsp;If you purchase the policy as a rider to one of our other disability insurance plans, you are protected in your regular occupation as defined by the policy to which the rider is attached. The benefit is paid for total disability only. If you purchased The Foundation Series\u2122 policy with the Enhanced Definition of Disability Benefit rider, this enhanced definition will also apply to the Retirement Protector rider.<\/li>\n\n\n\n<li><strong>Health Care Profession Rider:<\/strong>&nbsp;If you are a qualified health care professional, you will receive this rider at no additional cost. If you become HIV-impaired or hepatitis-impaired and, due to your impairment, you meet one of the conditions of the rider, you will be considered disabled.<sup><a href=\"#legal-9\" data-dig-id=\"LP-15227-58c685f3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"9\" class=\"rbc-link-format\">9<\/a><\/sup><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlec2osxdjm\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc2osxdjm\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-5f8950f1\" aria-controls=\"accordionc2osxdjm\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Elimination period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Elimination period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc2osxdjm\" role=\"region\" aria-labelledby=\"accordion-titlec2osxdjm\"><div class=\"collapse-inner\">\n<p>This is the number of days between the onset of a disability and the day you begin receiving benefits.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>If you purchase the Retirement Protector policy as a rider to another plan, the elimination period is the greater of 90 days or the elimination period of the policy to which the rider is attached.<\/li>\n\n\n\n<li>If you purchase the Retirement Protector policy by itself, the elimination period is 90 days.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2uxubtk5\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2uxubtk5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-7bc70017\" aria-controls=\"accordion2uxubtk5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Summary of exclusions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Summary of exclusions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2uxubtk5\" role=\"region\" aria-labelledby=\"accordion-title2uxubtk5\"><div class=\"collapse-inner\">\n<p>Benefits are not paid for disabilities due to:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)<\/li>\n\n\n\n<li>An act or accident of war<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>As long as you pay your premiums as required, we cannot cancel the policy without your consent, up until you turn 65<\/p>\n\n\n\n<p>Pay no premiums while you&#8217;re collecting benefits<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5>Policy documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only.<\/p>\n<\/div><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/RBC-Life-Insurance-Company.pdf\" target=\"_blank\" data-dig-id=\"LP-15227-06c522b5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Retirement protector sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Retirement protector sample policy<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-624bc809\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_a7hauqn8w\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h2 class=\"comparisonCards__heading\">Term life insurance<\/h2><p class=\"rbc-override-margin\">A popular choice if you want affordable coverage until you meet a certain financial milestone, such as putting your kids through college or paying off your mortgage.<\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"yxxa8mo2v\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\">Term life insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">RBC Simplified Term Life Insurance<\/h4>\n\n\n\n<p>Get affordable protection for all your short-term needs with a path towards lifetime coverage.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-33374-e1274ed5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\">Learn more <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_yxxa8mo2v\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-tools-to-get-the-most-out-of-your-coverage\"><span class=\"partial__border-bottom\">Tools to get the most out of your coverage<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content mar-r-dbl mob-mar-r-dbl pad-r-dbl mob-pad-r-dbl is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group pad-r-dbl mob-pad-r-dbl mar-r-dbl mob-mar-r-dbl is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-disability-insurance-calculator\">Disability insurance calculator<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf pad-r-dbl mob-pad-r-dbl mar-r-qtr mob-mar-r-qtr\">Answer a couple questions and we&#8217;ll recommend the right amount of coverage.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-126e82be\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get started-https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html \">Get started<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"196\" height=\"194\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/compare-policies.png?quality=80&amp;w=196\" alt=\"Illustration of a hand holding a smart phone\" class=\"wp-image-16082\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content pad-r-dbl mob-pad-r-dbl mar-r-hlf mob-mar-r-hlf is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group pad-r-dbl mob-pad-r-dbl mar-r mob-mar-r is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-compare-disability-insurance-plans\">Compare disability insurance plans<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf pad-r-dbl mob-pad-r-dbl mar-r-dbl mob-mar-r-dbl\">There\u2019s a plan to suit your unique situation and needs\u2014let\u2019s help you find it.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/compare-disability-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-126e82be\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Compare plans-https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/compare-disability-insurance\/ \">Compare plans<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/compare-illustration-200x200-1.svg?quality=80&amp;w=1024\" alt=\"illustration of a hand interacting with a smart phone\" class=\"wp-image-18511\" style=\"width:159px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-whatever-your-needs-we-can-help\">Whatever your needs, we can help.<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Protect your income with disability insurance\u2014get an online quote or talk to a licensed<br>insurance advisor.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-60f2e5fe\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33374-60f2e5fe\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"mar-b-0 mob-mar-b-0 pad-b-0 mob-pad-b-0\">Need help now? <a href=\"tel:+18662627924\" data-dig-id=\"LP-15223-c572a1da\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-800-461-1413\" class=\"rbc-link-format\">Call 1-866-262-7924<\/a><\/p>\n\n\n\n<p class=\"mar-t-0 pad-t-0 mob-pad-t-0\">Note: Online quote is for RBC Simplified\u00ae Disability Insurance only.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"697\" height=\"540\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?quality=80\" alt=\"image of a young couple laughing in front of their home while holding their young child\" class=\"wp-image-19150\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp 697w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?resize=300,232 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?resize=420,325 420w\" sizes=\"auto, (max-width: 697px) 100vw, 697px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper menuItems__dropdown faqWrapper\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Frequently asked questions<\/span> about disability insurance<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"General insurance\">\n\t\t\t\t\tGeneral insurance\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tGeneral insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tApplying for coverage\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tEligibility\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tCoverage details\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"4\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tPremiums\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">General insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Applying for coverage<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Eligibility<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Coverage details<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Premiums<\/div><\/div><p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/\" target=\"_blank\" data-dig-id=\"LP-15227-ff9eb8fa\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Contact us<\/a>.<\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>General insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title25pjsuc2\" class=\"collapse-toggle collapsed\" data-target=\"#accordion25pjsuc2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-5808b15f\" aria-controls=\"accordion25pjsuc2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Doesn't the Canadian government provide coverage for disability?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Doesn&#8217;t the Canadian government provide coverage for disability?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion25pjsuc2\" role=\"region\" aria-labelledby=\"accordion-title25pjsuc2\"><div class=\"collapse-inner\">\n<p>While the Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) do include disability coverage, there are considerable limitations to the benefits provided by these plans:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>For 2016, the average monthly CPP disability benefit is $933.82 and the maximum monthly amount is $1290.81<sup><a href=\"#legal-4\" data-dig-id=\"LP-15227-3a1798cb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><\/sup>. This amount is considerably less than what you could receive through one of our disability insurance plans. For example, through The Professional Series<sup>\u00ae<\/sup>&nbsp;policy, some individuals can qualify for as much as $25,000 per month, depending on their occupation, pre-disability income and other factors.<\/li>\n\n\n\n<li>To qualify for the CPP disability benefit, you must sustain a severe and prolonged mental or physical disability and be unable to work at any occupation<sup><a href=\"#legal-4\" data-dig-id=\"LP-15227-77291e7e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><\/sup>.&nbsp;With a disability insurance plan from RBC Insurance, you may be able to receive benefits under a less stringent definition of disability.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledv3i9073\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondv3i9073\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-379a629f\" aria-controls=\"accordiondv3i9073\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I have a disability policy at work. Why do I need another policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I have a disability policy at work. Why do I need another policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondv3i9073\" role=\"region\" aria-labelledby=\"accordion-titledv3i9073\"><div class=\"collapse-inner\">\n<p>This answer depends on your employer-sponsored disability plan, so examine it carefully and know what it covers. Typically, an employer-sponsored plan will end when your employment ends. One of the advantages of a disability insurance policy from RBC Insurance is that you can take it with you if you leave your job.<\/p>\n\n\n\n<p>Here are some things to look at for your employer-sponsored plan:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>How much of your income will your employer-sponsored disability plan replace? Will you be caught short?<\/li>\n\n\n\n<li>Are you covered for illness as well as injury?<\/li>\n\n\n\n<li>Are you only covered for accidents on the job, or are you protected 24\/7?<\/li>\n\n\n\n<li>Does your plan provide valuable return to work services?<\/li>\n\n\n\n<li>How does your plan define a disability?<\/li>\n<\/ul>\n\n\n\n<p>Once you know the answers to these questions, you may find that you need additional coverage.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html\" target=\"_blank\" data-dig-id=\"LP-15227-1c6107f1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Calculate your disability insurance needs\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" rel=\"noreferrer noopener\">Calculate your disability insurance needs<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebl8drlzx\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbl8drlzx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-4c2b3394\" aria-controls=\"accordionbl8drlzx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much disability insurance should I have?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much disability insurance should I have?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbl8drlzx\" role=\"region\" aria-labelledby=\"accordion-titlebl8drlzx\"><div class=\"collapse-inner\">\n<p>Your disability benefits should allow you and your family to continue to live comfortably, as though you were still able to work full-time. First, total up your monthly &#8220;fixed living expenses&#8221; such as food, housing, transportation, utilities and other miscellaneous expenses. Subtract from that amount any income you&#8217;ll receive from other sources during a disability\u2014for example, from investments you may have, property you rent out and other disability insurance coverage. The amount by which your expenses exceed income during disability is the amount you need. Bear in mind, though, that any disability insurance plan will only replace a portion of your income.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html\" target=\"_blank\" data-dig-id=\"LP-15227-6bedd32c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Calculate your disability insurance needs\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" rel=\"noreferrer noopener\">Calculate your disability insurance needs<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Applying for coverage<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezd956az5\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzd956az5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-ad61be96\" aria-controls=\"accordionzd956az5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I apply for disability coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I apply for disability coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzd956az5\" role=\"region\" aria-labelledby=\"accordion-titlezd956az5\"><div class=\"collapse-inner\">\n<p>To apply:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Call&nbsp;<a href=\"tel:+18662627924\" target=\"_blank\" data-dig-id=\"LP-15223-84b8f199\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-461-1413\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">1-866-262-7924<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" data-dig-id=\"LP-15223-b9633acc\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Have an advisor call you\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Have an advisor call you<\/a><\/li>\n<\/ul>\n\n\n\n<p>To apply for RBC Simplified\u00ae Disability Insurance, you can also:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Get a quote and apply online for injury-only coverage<\/li>\n\n\n\n<li>Get a quote and then call <a href=\"tel:+18662627924\" target=\"_blank\" data-dig-id=\"LP-15223-84b8f199\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-461-1413\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">1-866-262-7924<\/a> to apply for injury and sickness coverage<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlesi7bmtac\" class=\"collapse-toggle collapsed\" data-target=\"#accordionsi7bmtac\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-7fe7d210\" aria-controls=\"accordionsi7bmtac\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are medical questions or exams required to apply for disability insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are medical questions or exams required to apply for disability insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionsi7bmtac\" role=\"region\" aria-labelledby=\"accordion-titlesi7bmtac\"><div class=\"collapse-inner\">\n<p>Typically, yes. When purchasing disability insurance, medical questions and exams are usually required, the extent of which depends on your age and the amount of insurance you request when you apply.<\/p>\n\n\n\n<p>If you apply for&nbsp;<em>RBC Simplified<\/em><sup>\u00ae<\/sup>&nbsp;Disability Insurance, there are just a few basic pre-qualifying questions and no medical exam.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Eligibility<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3vjvxtc3\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3vjvxtc3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-d7482fdc\" aria-controls=\"accordion3vjvxtc3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who can apply for disability coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who can apply for disability coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3vjvxtc3\" role=\"region\" aria-labelledby=\"accordion-title3vjvxtc3\"><div class=\"collapse-inner\">\n<p>You may apply for disability insurance if you:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Meet the age requirements of the policy:<\/li>\n\n\n\n<li>Age 18-60 for The Professional Series<sup>\u00ae<\/sup>, The Foundation Series\u2122, The Bridge Series<sup>\u00ae<\/sup>&nbsp;and Quantum policies<\/li>\n\n\n\n<li>Age 18-64 for The Fundamental\u2122 Series policy (illness coverage) and age 18-69 (injury coverage)<\/li>\n\n\n\n<li>Age 18-55 for&nbsp;<em>RBC Simplified<\/em><sup>\u00ae<\/sup>&nbsp;Disability Insurance<\/li>\n\n\n\n<li>Age 18-55 for the Retirement Protector policy<\/li>\n\n\n\n<li>Are a Canadian citizen or permanent resident\/landed immigrant<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleqzina6vy\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqzina6vy\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-68cc0d94\" aria-controls=\"accordionqzina6vy\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I'm not sure I can qualify for disability coverage. Should I still apply?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;m not sure I can qualify for disability coverage. Should I still apply?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqzina6vy\" role=\"region\" aria-labelledby=\"accordion-titleqzina6vy\"><div class=\"collapse-inner\">\n<p>We encourage you to apply even if you aren\u2019t sure you can qualify. If you are not eligible for a traditional disability plan, you may be eligible to apply for&nbsp;<em>RBC Simplified<\/em><sup>\u00ae<\/sup>&nbsp;Disability Insurance, which only requires answers to a few basic pre-qualifying questions.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleqjrjjb8b\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqjrjjb8b\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-520c6d60\" aria-controls=\"accordionqjrjjb8b\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is my unmarried partner eligible to apply for disability coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is my unmarried partner eligible to apply for disability coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqjrjjb8b\" role=\"region\" aria-labelledby=\"accordion-titleqjrjjb8b\"><div class=\"collapse-inner\">\n<p>Yes, he or she may apply for coverage under his or her own policy, provided your partner meets the eligibility requirements of the policy.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Coverage details<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletxk8ppzm\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontxk8ppzm\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-5808b15f\" aria-controls=\"accordiontxk8ppzm\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do the RBC Insurance disability plans differ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do the RBC Insurance disability plans differ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontxk8ppzm\" role=\"region\" aria-labelledby=\"accordion-titletxk8ppzm\"><div class=\"collapse-inner\">\n<p>Disability insurance isn&#8217;t a &#8220;one size fits all&#8221; purchase. Different people have unique circumstances, needs and budgets. That\u2019s why we offer such a wide range of policies with a variety of options.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/compare-disability-insurance\/\" target=\"_blank\" data-dig-id=\"LP-15227-4b41a161\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Compare Disability Insurance Plans\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" rel=\"noreferrer noopener\">Compare Disability Insurance Plans<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9x7ru1sp\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9x7ru1sp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-06d8f2ee\" aria-controls=\"accordion9x7ru1sp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I qualify for benefits under my disability plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I qualify for benefits under my disability plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9x7ru1sp\" role=\"region\" aria-labelledby=\"accordion-title9x7ru1sp\"><div class=\"collapse-inner\">\n<p>You must meet the plan requirements for eligibility, including having the policy in force and satisfying the elimination or waiting period.<\/p>\n\n\n\n<p>Definitions of disability vary from plan to plan; your policy will contain complete information about eligibility, limitations and exclusions.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4wss5r6a\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4wss5r6a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-374812cc\" aria-controls=\"accordion4wss5r6a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the elimination period for disability?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the elimination period for disability?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4wss5r6a\" role=\"region\" aria-labelledby=\"accordion-title4wss5r6a\"><div class=\"collapse-inner\">\n<p>The elimination period is the number of days between the onset of a disability and the day you begin receiving benefits. Most of our plans offer you a choice of elimination periods ranging from 30 days to 730 days.&nbsp;<em>RBC Simplified<\/em><sup>\u00ae<\/sup>&nbsp;Disability Insurance has a 60-day or 90-day elimination period to choose from.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef5skyu0o\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf5skyu0o\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-3ec3c8d8\" aria-controls=\"accordionf5skyu0o\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are there any exclusions under which I won't receive benefits, even though I am unable to work and earn?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are there any exclusions under which I won&#8217;t receive benefits, even though I am unable to work and earn?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf5skyu0o\" role=\"region\" aria-labelledby=\"accordion-titlef5skyu0o\"><div class=\"collapse-inner\">\n<p>Yes. Typically, benefits are not paid for disabilities due to<sup><a href=\"#legal-5\" data-dig-id=\"LP-15227-bfe22f95\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup>&nbsp;(the following is a summary of exclusions only):<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>An act or accident of war<\/li>\n\n\n\n<li>Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)<\/li>\n<\/ul>\n\n\n\n<p>In addition, the policies won&#8217;t pay a benefit for any period during which you are incarcerated.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleiugt74gw\" class=\"collapse-toggle collapsed\" data-target=\"#accordioniugt74gw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-02f829a2\" aria-controls=\"accordioniugt74gw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I cancel my disability coverage at any time?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I cancel my disability coverage at any time?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioniugt74gw\" role=\"region\" aria-labelledby=\"accordion-titleiugt74gw\"><div class=\"collapse-inner\">\n<p>Yes, you can cancel your coverage at any time by contacting us.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Premiums<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletafihxh4\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontafihxh4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-5808b15f\" aria-controls=\"accordiontafihxh4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long will I pay disability insurance premiums?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long will I pay disability insurance premiums?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontafihxh4\" role=\"region\" aria-labelledby=\"accordion-titletafihxh4\"><div class=\"collapse-inner\">\n<p>You will pay premiums through the term of your policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleto8mco7c\" class=\"collapse-toggle collapsed\" data-target=\"#accordionto8mco7c\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-68266f62\" aria-controls=\"accordionto8mco7c\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my disability insurance premiums ever increase?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my disability insurance premiums ever increase?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionto8mco7c\" role=\"region\" aria-labelledby=\"accordion-titleto8mco7c\"><div class=\"collapse-inner\">\n<p>This answer depends on the policy. Some plans offer a choice of guaranteed level premiums for the life of the contract and step rate premiums (for age 35 and under), which allow you to pay less while you\u2019re getting your business or career off the ground. With other policies, RBC Insurance does reserve the right to increase premiums. However, we cannot change your premiums unless we do so for an entire group of policyholders sharing similar characteristics.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/compare-disability-insurance\/\" target=\"_blank\" data-dig-id=\"LP-15227-b4e568d0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Compare Disability Insurance Plans\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" rel=\"noreferrer noopener\">Compare Disability Insurance Plans<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title35sp3f45\" class=\"collapse-toggle collapsed\" data-target=\"#accordion35sp3f45\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33374-5351e433\" aria-controls=\"accordion35sp3f45\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do I have to pay disability insurance premiums while I'm receiving benefits?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do I have to pay disability insurance premiums while I&#8217;m receiving benefits?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion35sp3f45\" role=\"region\" aria-labelledby=\"accordion-title35sp3f45\"><div class=\"collapse-inner\">\n<p>A Waiver of Premium benefit is included in every one of our disability insurance plans at no extra cost. In most policies, this provision takes effect after 90 days of disability and any premiums you paid during the 90 days are refunded back to you.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/\" target=\"_blank\" data-dig-id=\"LP-15227-ff9eb8fa\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Contact us<\/a>.<\/p><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-33374-e0db3377\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Availability, details and limits of return to work assistance benefits vary by insurance plan. Return to work benefits are not available with&nbsp;<em>RBC Simplified<\/em><sup>\u00ae<\/sup>&nbsp;Disability Insurance. Contact an RBC Insurance<sup>\u00ae<\/sup>&nbsp;advisor for complete details.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">If you are self-employed, income means your share (proportionate to your ownership interest) of the income or loss of the business net of all business expenses except income taxes. If you are an incorporated business owner, you may also include any wages, salary, fees or commissions which the incorporated business paid to you as an employee of the business. Certain conditions must be met for benefits to be payable. Your policy will provide complete details.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Provided you satisfy the pre-qualifying questions. Part-time is considered to be a minimum 30-hour work week.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Service Canada, <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/cpp-disability-benefit\/benefit-amount.html\" target=\"_blank\" data-dig-id=\"LP-15227-ecafebff\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/cpp-disability-benefit\/benefit-amount.html\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/cpp-disability-benefit\/benefit-amount.html<\/a> <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p class=\"is-style-default default has-text-sm-font-size\">This information is intended as a summary only. Other limitations may apply depending on the policy. Your policy will contain complete details on terms and conditions, including benefits and exclusions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-6\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>6<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Certain conditions must be met for benefits to be payable. Your policy will provide complete details..<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-7\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>7<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Certain conditions apply<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-8\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>8<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Some conversion restrictions apply.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-9\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>9<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">We reserve the right to charge premiums in the future.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-10\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>10<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">10-year option is for certain occupations only.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-11\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>11<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Injury-only coverage is available if you satisfy a few pre-qualifying questions. You may also complete a short supplemental application to apply for illness coverage.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-12\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>12<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Some restrictions apply.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-13\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>13<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Your benefit will be 20% of your monthly earned income, as long as it is not less than $300 and not more than $1,500.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-14\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>14<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Available on Professional Series, The Foundation Series, The Bridge Series and The Quantum Series<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-8\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>15<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Life expectancy under 12 months.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-16\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>16<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">\u201cChild\u201d means Your own natural offspring, Your lawfully adopted child, or Your stepchild of any age until the rider expires at the age of 65 of the insured.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-17\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>17<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">If the insured makes a claim after the date of diagnosis (i.e. a month or two after), we will pay retroactively to the date of diagnosis.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":179,"featured_media":0,"parent":15214,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15227","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Disability Insurance in Canada - Get a Quote | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Explore our disability insurance plans in Canada, which offer a range of benefit and premium options to meet your needs. 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