{"id":18554,"date":"2025-05-06T09:28:21","date_gmt":"2025-05-06T13:28:21","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/fr-ca\/?page_id=18554"},"modified":"2025-05-06T10:03:32","modified_gmt":"2025-05-06T14:03:32","slug":"info-eclair-couverture-de-assurance-invalidite-de-longue-duree","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-collective\/info-eclair-couverture-de-assurance-invalidite-de-longue-duree\/","title":{"rendered":"Info \u00e9clair : Couverture de l\u2019assurance invalidit\u00e9 de longue dur\u00e9e"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span> &gt; <span><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-collective\/\">Assurance collective<\/a><\/span> &gt; <span class=\"breadcrumb_last\" aria-current=\"page\">Info \u00e9clair : Couverture de l\u2019assurance invalidit\u00e9 de longue dur\u00e9e<\/span><\/span><\/div>\n\n\n<p><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-info-eclair-couverture-de-l-assurance-invalidite-de-longue-duree\">Info \u00e9clair : Couverture de l\u2019assurance invalidit\u00e9 de longue dur\u00e9e<\/h1>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__header\"><h3>Certains r\u00e9gimes offrent une aide pour faciliter votre retour au travail \u00e0 la suite d\u2019une maladie ou d\u2019une blessure.<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Si vous avez un r\u00e9gime collectif d\u2019assurance invalidit\u00e9 de longue dur\u00e9e (ILD), vous b\u00e9n\u00e9ficiez d\u2019un pr\u00e9cieux filet de s\u00e9curit\u00e9. En effet, il remplace une partie de votre salaire si vous vous blessez ou tombez malade.<\/p>\n\n\n\n<p><span class=\"partial__border-bottom\">Pour \u00e9viter les mauvaises surprises pendant une p\u00e9riode difficile, il est important de savoir ce que couvre le r\u00e9gime, de quelle fa\u00e7on les prestations d\u2019invalidit\u00e9 sont calcul\u00e9es et quels facteurs peuvent avoir une incidence sur votre niveau de couverture.<\/span><\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\"><strong>Voici sept \u00e9l\u00e9ments \u00e0 garder \u00e0 l\u2019esprit :<\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebgfpt2fi\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbgfpt2fi\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-18554-3eb29f9f\" aria-controls=\"accordionbgfpt2fi\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"1. <strong&gt;Obtenir une protection compl\u00e8te n\u2019est pas automatique<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>1. <strong>Obtenir une protection compl\u00e8te n\u2019est pas automatique<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbgfpt2fi\" role=\"region\" aria-labelledby=\"accordion-titlebgfpt2fi\"><div class=\"collapse-inner\">\n<p>Lorsque vous adh\u00e9rez \u00e0 un r\u00e9gime collectif d\u2019assurance ILD, votre admissibilit\u00e9 \u00e0 la protection compl\u00e8te peut \u00eatre, ou non, automatique. Cela d\u00e9pend du r\u00e9gime. Cependant, dans bien des cas, vous pouvez obtenir une couverture de base sans fournir de renseignements m\u00e9dicaux. Pour obtenir une protection compl\u00e8te, vous devrez fournir des renseignements m\u00e9dicaux et votre demande devra \u00eatre approuv\u00e9e par l\u2019\u00e9quipe du service de tarification m\u00e9dicale.<\/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-titlezsq2by05\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzsq2by05\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-18554-e2ac304d\" aria-controls=\"accordionzsq2by05\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"2. <strong&gt;D\u2019autres prestations d\u2019invalidit\u00e9 pourraient avoir une incidence sur votre indemnisation<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>2. <strong>D\u2019autres prestations d\u2019invalidit\u00e9 pourraient avoir une incidence sur votre indemnisation<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzsq2by05\" role=\"region\" aria-labelledby=\"accordion-titlezsq2by05\"><div class=\"collapse-inner\">\n<p>Par exemple, si vous recevez des prestations d\u2019invalidit\u00e9 du R\u00e9gime de pensions du Canada (RPC) ou du R\u00e9gime des rentes du Qu\u00e9bec (RRQ), ou des prestations au titre d\u2019une assurance automobile \u00e0 la suite d\u2019un accident de voiture, ces sources de revenu d\u2019invalidit\u00e9 (ou \u00ab coordination des prestations \u00bb) r\u00e9duiront le montant des prestations ILD auxquelles vous avez droit au titre de votre assurance.<\/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-title0nsdu6qz\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0nsdu6qz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-18554-ff8ad6cc\" aria-controls=\"accordion0nsdu6qz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"3. <strong&gt;Vos prestations pourraient \u00eatre imposables<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>3. <strong>Vos prestations pourraient \u00eatre imposables<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0nsdu6qz\" role=\"region\" aria-labelledby=\"accordion-title0nsdu6qz\"><div class=\"collapse-inner\">\n<p>Dans la plupart des cas, la prestation d\u2019invalidit\u00e9 mensuelle correspond soit \u00e0 un versement avant imp\u00f4ts, soit \u00e0 un versement apr\u00e8s imp\u00f4ts. Si vous payez l\u2019int\u00e9gralit\u00e9 de la prime de votre assurance, vous recevrez des prestations non imposables. Si votre employeur paie une partie de la prime, les prestations mensuelles seront imposables.<\/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-titlewlwatcfn\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwlwatcfn\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-18554-9512792e\" aria-controls=\"accordionwlwatcfn\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"4. <strong&gt;Certains r\u00e9gimes tiennent compte du co\u00fbt de la vie<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>4. <strong>Certains r\u00e9gimes tiennent compte du co\u00fbt de la vie<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwlwatcfn\" role=\"region\" aria-labelledby=\"accordion-titlewlwatcfn\"><div class=\"collapse-inner\">\n<p>Certains r\u00e9gimes collectifs comprennent une garantie de rajustement de vie ch\u00e8re (RVC). Cela veut dire que votre prestation d\u2019invalidit\u00e9 pourrait augmenter au m\u00eame rythme que l\u2019inflation.<\/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-titlenvgh7rzq\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnvgh7rzq\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-18554-f6df818b\" aria-controls=\"accordionnvgh7rzq\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"5. <strong&gt;Un d\u00e9lai de carence peut s\u2019appliquer<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>5. <strong>Un d\u00e9lai de carence peut s\u2019appliquer<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnvgh7rzq\" role=\"region\" aria-labelledby=\"accordion-titlenvgh7rzq\"><div class=\"collapse-inner\">\n<p>Certains r\u00e9gimes pr\u00e9voient un d\u00e9lai de carence (appel\u00e9 aussi \u00ab p\u00e9riode d\u2019attente \u00bb) avant que vous puissiez recevoir des prestations. Si vous tombez malade ou si vous vous blessez, vous devez d\u2019abord soumettre votre demande de r\u00e8glement pour la faire approuver. Si elle est approuv\u00e9e, vous \u00eates admissible \u00e0 des prestations d\u2019invalidit\u00e9 lorsque le d\u00e9lai de carence est termin\u00e9.<\/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-titleh9t76cjs\" class=\"collapse-toggle collapsed\" data-target=\"#accordionh9t76cjs\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-18554-c6ada2e7\" aria-controls=\"accordionh9t76cjs\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"6. <strong&gt;Vous pouvez obtenir de l\u2019aide pour retourner au travail<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>6. <strong>Vous pouvez obtenir de l\u2019aide pour retourner au travail<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionh9t76cjs\" role=\"region\" aria-labelledby=\"accordion-titleh9t76cjs\"><div class=\"collapse-inner\">\n<p>Certains r\u00e9gimes offrent une aide pour faciliter le retour au travail. Par exemple, vous pourriez \u00eatre admissible \u00e0 un programme de r\u00e9adaptation et de retour au travail, qui vous aidera \u00e0 retourner au travail \u00e0 la suite d\u2019une maladie ou d\u2019une blessure.<\/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-titleg6obdx23\" class=\"collapse-toggle collapsed\" data-target=\"#accordiong6obdx23\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-18554-c67c575d\" aria-controls=\"accordiong6obdx23\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"7. <strong&gt;Possibilit\u00e9 de couvertures cons\u00e9cutives<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>7. <strong>Possibilit\u00e9 de couvertures cons\u00e9cutives<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiong6obdx23\" role=\"region\" aria-labelledby=\"accordion-titleg6obdx23\"><div class=\"collapse-inner\">\n<p>Si votre maladie ou blessure revient, vous pourriez \u00eatre admissible \u00e0 des prestations suppl\u00e9mentaires ; et vous pourriez <strong>\u00e9<\/strong>viter un nouveau d\u00e9lai de carence. Dans certains cas, vous pourriez recommencer \u00e0 recevoir vos prestations sans attendre.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image  mar-b-dbl mob-mar-b-dbl\" 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-vous-voulez-en-savoir-plus\">Vous voulez en savoir plus ?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Veuillez communiquer avec conseiller en assurance collective ou <a href=\"tel:18552642174\" data-dig-id=\"LP-18554-dfabeb26\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"composez le&nbsp;1 855 264-2174\" class=\"rbc-link-format\">composez le&nbsp;1 855 264-2174<\/a><\/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-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2025\/03\/Group-Solution_Get-Help-Card-copy.webp?quality=80&amp;w=606\" alt=\"Un conseiller en avantages collectifs aidant un client par t\u00e9l\u00e9phone\" class=\"wp-image-17597\" srcset=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2025\/03\/Group-Solution_Get-Help-Card-copy.webp 606w, https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2025\/03\/Group-Solution_Get-Help-Card-copy.webp?resize=300,284 300w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Info \u00e9clair : Couverture de l\u2019assurance invalidit\u00e9 de longue dur\u00e9e<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":11588,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-18554","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>Info \u00e9clair : Couverture de l\u2019assurance invalidit\u00e9 de longue dur\u00e9e | RBC Assurances<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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