{"id":8770,"date":"2020-09-25T16:10:00","date_gmt":"2020-09-25T16:10:00","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2020\/09\/25\/what-to-do-if-your-employment-status-changes\/"},"modified":"2026-04-07T15:40:30","modified_gmt":"2026-04-07T19:40:30","slug":"what-to-do-if-your-employment-status-changes","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/what-to-do-if-your-employment-status-changes","title":{"rendered":"What To Do If Your Employment Status Changes"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">What To Do If Your Employment Status Changes<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2020-09-25T16:10:00-04:00\">September 25, 2020<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">3 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/image-3.png?quality=80&w=512\" alt=\"Mark Gronowski\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Mark Gronowski<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/employment-status-thumbnail-default.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"woman doing paperwork at table\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/employment-status-thumbnail-default.jpg 930w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/employment-status-thumbnail-default.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/employment-status-thumbnail-default.jpg?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/employment-status-thumbnail-default.jpg?resize=420,280 420w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=What To Do If Your Employment Status Changes &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/what-to-do-if-your-employment-status-changes\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/what-to-do-if-your-employment-status-changes\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Know Your Benefits<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href='#h-know-your-benefits'>Know Your Benefits<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href='#h-if-you-ve-already-lost-your-job'>If You&#039;ve Already Lost Your Job<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href='#h-getting-covered'>Getting Covered<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>If your employment situation changes suddenly, there are some important insurance implications that can help keep you and your family protected. Here&#8217;s how to make sure your coverage still has you covered.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-know-your-benefits\">Know Your Benefits<\/h4>\n\n\n\n<p>It&#8217;s always a good idea to know the details of your benefits plan, and it&#8217;s certainly something worth reviewing if you&#8217;ve lost your job. Group benefits provide certain types of coverage, such as health and dental and short-term disability, but every plan is different.<\/p>\n\n\n\n<p>Depending on how your employment status has changed (e.g. if you&#8217;ve been placed on leave or packaged out), you may or may not retain some of your benefits. It&#8217;s crucial to understand what coverage you may lose, so that you can make efforts to close gaps that could leave your family vulnerable.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-if-you-ve-already-lost-your-job\">If You&#8217;ve Already Lost Your Job<\/h4>\n\n\n\n<p>Government programs can help you make up for lost income, but they won&#8217;t provide the same insurance coverage you&#8217;re used to.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/ei\/ei-regular-benefit.html\" target=\"_blank\" rel=\"noopener noreferrer\">Find out more about employment insurance and government programs<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-getting-covered\">Getting Covered<\/h4>\n\n\n\n<p>Once you have a sense of how your income and insurance coverage will be changing, an RBC Insurance Advisor can help you find solutions to keep your family protected. You can start by <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/general-insurance\/index.html?dlref=Discover-Learn-Insurance&amp;dlarticle=What-To-Do-If-Your-Employment-Status-Changes&amp;dltarget=request-call\" target=\"_blank\" rel=\"noopener noreferrer\">booking a check-in<\/a>.<\/p>\n\n\n\n<p>A change in employment status or the loss of a job is always difficult. With that said, it doesn&#8217;t have to leave you or your family vulnerable, as long as you take steps to understand your level of insurance protection.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/general-insurance\/index.html?dlref=Discover-Learn-Insurance&amp;dlarticle=What-To-Do-If-Your-Employment-Status-Changes&amp;dltarget=request-call\" target=\"_blank\" rel=\"noopener noreferrer\">Book a check-in to speak with an advisor<\/a> today and we can help you get the coverage you need.<\/p>\n\n\n\n<p>Every group benefits plan is different, but most cover a few main areas. The four listed here are the most common, and you should familiarize yourself with how your plan manages them.<\/p>\n\n\n\n<ul class=\"disc-list\">\n<li>Health And Dental<\/li>\n<li>Disability Coverage<\/li>\n<li>Life Insurance &amp; Critical Illness<\/li>\n<li>Wellness Coverage<\/li>\n<\/ul>\n\n\n\n<p>Remember, every group benefits plan is different. When in doubt, speak to your organization&#8217;s HR department for details related to your specific plan.<\/p>\n\n\n\n<p>Understanding your insurance coverage is the best way to make sure that a change in employment doesn&#8217;t leave your family unprotected.<\/p>\n\n\n\n<p>An RBC Insurance advisor can help you understand the big picture of your coverage. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/general-insurance\/index.html?dlref=Discover-Learn-Insurance&amp;dlarticle=What-To-Do-If-Your-Employment-Status-Changes&amp;dltarget=request-call\" target=\"_blank\" rel=\"noopener noreferrer\">Book a check-in today<\/a>, and we&#8217;ll help you get it.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-insurance\">RBC Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center\">We make it easy to find expert advice, money-saving tips, and a range of insurance options for every moment of life.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/personal\/\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11775-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Learn More-https:\/\/www.rbcinsurance.com\/en-ca\/personal\/ \">Learn More<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-23f02f3d-3fe1-47c5-809a-599a95a40356 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-23f02f3d-3fe1-47c5-809a-599a95a40356 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-23f02f3d-3fe1-47c5-809a-599a95a40356\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>While experiencing a change in employment status is never ideal, there are steps you can take to make the transition smoother.<\/p>\n","protected":false},"author":203,"featured_media":8791,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[44],"tags":[19,9,4,21],"article-type":[80],"ppma_author":[190],"class_list":["post-8770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general-insurance","tag-disability-insurance","tag-health-insurance","tag-life-insurance","tag-managing-money","article-type-advice-learning"],"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>What To Do If Your Employment Status Changes | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Here are some helpful tips to help ensure you and your family aren&#039;t left vulnerable.\" \/>\n<meta name=\"robots\" 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