{"id":23416,"date":"2026-05-07T09:16:26","date_gmt":"2026-05-07T13:16:26","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/fr-ca\/?page_id=23416"},"modified":"2026-05-07T09:16:28","modified_gmt":"2026-05-07T13:16:28","slug":"calculateur-ecart-revenu-invalidite","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-maladie\/calculateur-ecart-revenu-invalidite\/","title":{"rendered":"Calculatrice\u00a0de\u00a0l\u2019\u00e9cart\u00a0des\u00a0prestations\u00a0d\u2019invalidit\u00e9"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__disability toolsCalculators\" data-template=\"disability\">\n<div class=\"wp-block-group toolsCalculators__disability is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group toolsCalculators__col__left is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-blue blue\" style=\"--icon-url:url(undefined)\"><span>Ne prend qu\u2019une minute \u00e0 remplir<\/span><\/div><\/div>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-calculatrice-de-l-ecart-des-prestations-d-invalidite\">Calculatrice de l\u2019\u00e9cart des prestations d\u2019invalidit\u00e9<\/h1>\n\n\n\n<p class=\"toolsCalculators__desc\">Si une maladie ou une blessure vous emp\u00eachait de travailler, il est fort probable que les prestations offertes par l\u2019employeur ne remplacent qu\u2019une partie de votre salaire, et ce, pour quelques mois seulement.<\/p>\n\n\n\n<p class=\"toolsCalculators__desc\">Voyez dans quelle mesure cette situation pourrait r\u00e9duire votre revenu et affecter votre capacit\u00e9 \u00e0 assumer vos d\u00e9penses courantes.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group toolsCalculators__col__right toolsCalculators__steps is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"toolsCalculators__requiredMsg\">Indique un champ obligatoire<\/p>\n\n\n\n<div class=\"wp-block-rbc-form-step-manager formStepManager formStepManager__primary\" data-form=\"userInfo\" data-sfconfigs=\"{&quot;campaignName&quot;:&quot;Web - DI Income Gap : Non Lead&quot;,&quot;lineOfBusiness&quot;:&quot;health&quot;,&quot;leadType&quot;:&quot;Disability Quote&quot;,&quot;leadDesc&quot;:&quot;DI Income gap : non lead&quot;,&quot;capturesLead&quot;:false}\">\n<div class=\"wp-block-rbc-form-step formStep  formStepv2 isEdited\" data-stepname=\"Contact Details\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-obtenons-vos-coordonnees\">Obtenons vos coordonn\u00e9es<\/h2>\n\n\n\n<p>Nous assurons la protection de vos renseignements personnels.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"firstName\" data-prefill-target=\"bac.bookacallfirstname, emq.emailmyquotefirstname\" data-query-param=\"firstName\" data-query-param-target=\"userInfo.firstName\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"firstName\" aria-label=\"Pr\u00e9nom \"><span class=\"inputLabel__text\">Pr\u00e9nom<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"firstName\" class=\"input-textbox-input textbox-class\" name=\"firstName\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Pr\u00e9nom non valide<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"lastName\" data-prefill-target=\"bac.bookacalllastname, emq.emailmyquotelastname\" data-query-param=\"lastName\" data-query-param-target=\"userInfo.lastName\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"lastName\" aria-label=\"Nom de famille\"><span class=\"inputLabel__text\">Nom de famille<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"lastName\" class=\"input-textbox-input textbox-class\" name=\"lastName\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Nom de famille non valide<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__email\" data-target=\"email\" data-prefill-target=\"bac.bookacallemail, emq.emailmyquoteemail\" data-query-param=\"email\" data-query-param-target=\"userInfo.email\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"email\" aria-label=\"Courriel\"><span class=\"inputLabel__text\">Courriel<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox email left\"><div class=\"input-textbox-wrapper \"><input type=\"email\" placeholder=\"\" id=\"email\" class=\"input-textbox-input textbox-class\" name=\"email\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Adresse courriel non valide<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__phone\" data-target=\"phone\" data-prefill-target=\"bac.phone\" data-query-param=\"phone\" data-query-param-target=\"userInfo.phone\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"phone\" aria-label=\"Num\u00e9ro de t\u00e9l\u00e9phone\"><span class=\"inputLabel__text\">Num\u00e9ro de t\u00e9l\u00e9phone<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox tel left\"><div class=\"input-textbox-wrapper  input-textbox-indent\"><span class=\"input-textbox-prefix\">+1<\/span><input type=\"tel\" autocomplete=\"tel-national\" pattern=\"[0-9-]*\" placeholder=\"\" id=\"phone\" class=\"input-textbox-input textbox-class\" name=\"phone\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Num\u00e9ro de t\u00e9l\u00e9phone\u00a0non valide<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"formStep__privacyNotice\">En soumettant ce formulaire, vous acceptez que nous utilisions les renseignements que vous avez fournis ici pour communiquer avec vous au sujet de votre proposition. Vos renseignements sont conserv\u00e9s en toute s\u00e9curit\u00e9 et prot\u00e9g\u00e9s. Consultez notre&nbsp;<a href=\"https:\/\/www.rbc.com\/rensperssecurite\/ca\/avis-rens-pers-mondiale.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-22959-65f9bdd2\" data-dig-label=\"Avis de protection des renseignements personnels \u00e0 l\u2019\u00e9chelle mondiale\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Avis de protection des renseignements personnels \u00e0 l\u2019\u00e9chelle mondiale<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn is-style-primary primary isNext\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Continuer\">Continuer<\/button><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-form-step formStep formStep__last active\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-parlez-nous-de-votre-revenu\">Parlez-nous de votre revenu<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__annualIncome inputField__currencyFormat\" data-target=\"annualIncome\" data-prefill-target=\"bac.bookacallannualIncome, emq.emailmyquoteannualIncome\" data-query-param=\"annualIncome\" data-query-param-target=\"userInfo.annualIncome\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"annualIncome\" aria-label=\"Revenu annuel\"><span class=\"inputLabel__text\">Revenu annuel (avant imp\u00f4t)<\/span><\/label>\n\n\n\n<div class=\"wp-block-rbc-tool-tip toolTip isHelp isDismissable toolTip__nubbin__bottom toolTip__nubbin__left\" data-tooltip=\"<div class=&quot;toolTip__modal&quot;&gt;\n\t\t\t\t<div class=&quot;toolTip__content__container&quot;&gt;\n\t\t\t\t\t\n\t\t\t\t\t<p class=&quot;toolTip__content&quot;&gt;Indiquez le total de vos revenus annuels avant imp\u00f4t, toutes sources confondues.<br&gt;Si vous \u00eates travailleur autonome, indiquez votre part du revenu d\u2019entreprise apr\u00e8s d\u00e9duction des d\u00e9penses, mais avant imp\u00f4t.<\/p&gt;\n\t\t\t\t\t\n\t\t\t\t<\/div&gt;\n\t\t\t\t<button type=&quot;button&quot; class=&quot;toolTip__close&quot; aria-label=&quot;Close&quot;&gt;<\/button&gt;\n\t\t\t<\/div&gt;\"><div class=\"toolTip__container\"><p class=\"toolTip__prefix\"><\/p><\/div><button type=\"button\" class=\"toolTip__icon\" aria-label=\"Learn more\"><\/button><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox currency right format__currency\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"annualIncome\" class=\"input-textbox-input textbox-class\" name=\"annualIncome\" value=\"\" style=\"width:100%;height:48px;min-height:48px\" data-min=\"1\" data-max=\"300000\"\/><span class=\"input-textbox-suffix\">$<\/span><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group inputField__hasExtraInfo is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Des chiffres exacts donnent de meilleures recommandations, mais une estimation suffit en cas de doute.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Veuillez saisir une valeur valide entre 1\u00a0$ et 300\u00a0000\u00a0$. Si votre revenu annuel est sup\u00e9rieur \u00e0 300 000 $, veuillez composer le <a href=\"tel:18662627924\" data-dig-id=\"LP-23416-a65e2d34\" data-dig-label=\"1 866 262 7924\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1 866 262 7924<\/a> pour obtenir une soumission<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired\" data-target=\"emergencyFund\" data-query-param=\"emergencyFund\" data-query-param-target=\"userInfo.emergencyFund\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"\" aria-label=\"\"><span class=\"inputLabel__text\">Fonds d\u2019urgence<\/span><\/label>\n\n\n\n<div class=\"wp-block-rbc-tool-tip toolTip isHelp isDismissable toolTip__nubbin__bottom toolTip__nubbin__left\" data-tooltip=\"<div class=&quot;toolTip__modal&quot;&gt;\n\t\t\t\t<div class=&quot;toolTip__content__container&quot;&gt;\n\t\t\t\t\t\n\t\t\t\t\t<p class=&quot;toolTip__content&quot;&gt;S\u00e9lectionnez le montant d\u2019\u00e9pargne que vous pourriez utiliser pour couvrir vos d\u00e9penses si vous ne pouviez pas travailler.<\/p&gt;\n\t\t\t\t\t\n\t\t\t\t<\/div&gt;\n\t\t\t\t<button type=&quot;button&quot; class=&quot;toolTip__close&quot; aria-label=&quot;Close&quot;&gt;<\/button&gt;\n\t\t\t<\/div&gt;\"><div class=\"toolTip__container\"><p class=\"toolTip__prefix\"><\/p><\/div><button type=\"button\" class=\"toolTip__icon\" aria-label=\"Learn more\"><\/button><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group inputField__hasExtraInfo is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Choisissez le montant qui s\u2019en approche le plus<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-radio-group inputRadioGroup inputRadioGroup__default inputRadioGroup__vertical\">\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__0\" class=\"buttonRadio__input\" type=\"radio\" value=\"0\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">Aucun<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__4000\" class=\"buttonRadio__input\" type=\"radio\" value=\"4000\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">4 000 $<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__6000\" class=\"buttonRadio__input\" type=\"radio\" value=\"6000\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">6 000 $<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__8000\" class=\"buttonRadio__input\" type=\"radio\" value=\"8000\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">8 000 $<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__emergencyFund__12000\" class=\"buttonRadio__input\" type=\"radio\" value=\"12000\" name=\"emergencyFund\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">12 000 $<\/span><\/label><\/div>\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Veuillez choisir l\u2019une des options<\/span><span class=\"inputField__error inputField__error__invalid\">Veuillez choisir l\u2019une des options<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  employerCoverageField\" data-target=\"employerCoverage\" data-query-param=\"employerCoverage\" data-query-param-target=\"userInfo.employerCoverage\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"\" aria-label=\"\"><span class=\"inputLabel__text\">Couverture offerte par l\u2019employeur (assurance invalidit\u00e9)<\/span><\/label>\n\n\n\n<div class=\"wp-block-rbc-tool-tip toolTip isHelp isDismissable\" data-tooltip=\"<div class=&quot;toolTip__modal&quot;&gt;\n\t\t\t\t<div class=&quot;toolTip__content__container&quot;&gt;\n\t\t\t\t\t\n\t\t\t\t\t<p class=&quot;toolTip__content&quot;&gt;La plupart des prestations offertes par l\u2019employeur remplacent environ 60\u00a0% du salaire. En cas de doute du montant pour lequel vous \u00eates couvert, s\u00e9lectionnez 60\u00a0%. Vous pourrez toujours v\u00e9rifier votre couverture et modifier votre s\u00e9lection par la suite.<\/p&gt;\n\t\t\t\t\t\n\t\t\t\t<\/div&gt;\n\t\t\t\t<button type=&quot;button&quot; class=&quot;toolTip__close&quot; aria-label=&quot;Close&quot;&gt;<\/button&gt;\n\t\t\t<\/div&gt;\"><div class=\"toolTip__container\"><p class=\"toolTip__prefix\"><\/p><\/div><button type=\"button\" class=\"toolTip__icon\" aria-label=\"Learn more\"><\/button><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-radio-group inputRadioGroup inputRadioGroup__default inputRadioGroup__vertical\">\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__0\" class=\"buttonRadio__input\" type=\"radio\" value=\"0\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">Aucun<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__50\" class=\"buttonRadio__input\" type=\"radio\" value=\"50\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">50%<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__60\" class=\"buttonRadio__input\" type=\"radio\" value=\"60\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">60% (plus courant)<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__75\" class=\"buttonRadio__input\" type=\"radio\" value=\"75\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">75%<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__employerCoverage__I do not know\" class=\"buttonRadio__input\" type=\"radio\" value=\"I do not know\" name=\"employerCoverage\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">Je ne sais pas<\/span><\/label><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-announcement-bar announcementBar  is-style-announcementBarLEInfo announcementBarDoNotKnow announcementBarLEInfo\" id=\"4f1238c1-97ac-4870-a094-621d7c8f653c\"><div class=\"announcementBar__inner\" style=\"--icon-url:url(undefined)\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p>On utilisera le montant le plus courant (60&nbsp;%) pour le calcul.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Veuillez choisir l\u2019une des options<\/span><span class=\"inputField__error inputField__error__invalid\">Veuillez choisir l\u2019une des options<\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn tertiary is-style-tertiary isPrev\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Retour\">Retour<\/button><\/div><div class=\"wp-block-button btn is-style-primary primary isNext\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Calculer l\u2019\u00e9cart\">Calculer l\u2019\u00e9cart<\/button><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-quote-result quoteResult quoteResult__disability  isEdited\"><div class=\"quoteResult__heading\"><div class=\"wp-block-button btn tertiary is-style-tertiary isPrev\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Pr\u00e9c\u00e9dent\">Pr\u00e9c\u00e9dent<\/button><\/div><h2>Votre revenu mensuel baisse de <span class=\"diResult__result__titleAmountSpan\">1212<\/span> $ si vous ne travaillez pas<\/h2><\/div>\n<div class=\"wp-block-group diResult__result__fullyCovered is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-bonne-nouvelle-nbsp-on-dirait-que-votre-revenu-est-entierement-couvert\">Bonne nouvelle&nbsp;! On dirait que votre revenu est enti\u00e8rement couvert.<\/h2>\n\n\n\n<p class=\"has-text-align-center diResult__result__fullyCoveredContent\">N\u2019oubliez pas qu\u2019il ne s\u2019agit que d\u2019une estimation. Nous vous recommandons de consulter un conseiller pour obtenir des conseils personnalis\u00e9s.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group diResult__group__resultCard is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group diResultCard__container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-di-result-card diResultCard\"><div class=\"diResultCard__loadingSteps\"><span class=\"diResultCard__loadingStep active\"><span class=\"diResultCard__loadingText\">Analyse de vos renseignements<\/span><span class=\"diResultCard__loadingSpinner\"><\/span><\/span><span class=\"diResultCard__loadingStep\"><span class=\"diResultCard__loadingText\">Calcul de l\u2019assurance invalidit\u00e9<\/span><span class=\"diResultCard__loadingSpinner\"><\/span><\/span><\/div><div class=\"diResultCard__result\"><div class=\"diResultCard__di\"><div class=\"diResultCard__di__amounts\"><div class=\"diResultCard__di__amountMonthly\"><span class=\"diResultCard__trustIconSpan\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/Trending-down.svg\" alt=\"\" class=\"diResultCard__trustIcon\" style=\"display:inline-block;max-width:100%;height:auto\"\/><\/span><span class=\"diResultCard__amount\">00.00<\/span><span class=\"diResultCard__currency\">$<\/span><span class=\"diResultCard__di__monthLabel\">\/mois<\/span><\/div><div class=\"diResultCard__di__desc\"><span class=\"diResultCard__di__label\"><\/span><\/div><\/div><div class=\"diResultCard__di__regularPayDetails\"><div class=\"diResultCard__di__regularPayLabel\"><p class=\"diResultCard__di__regularPayLabelSpan\">Paie r\u00e9guli\u00e8re<\/p><span>apr\u00e8s imp\u00f4t<\/span><\/div><div class=\"diResultCard__di__regularPayAmount\"><span class=\"diResultCard__amount\">00.0<\/span><span class=\"diResultCard__currency\">$<\/span><span class=\"diResultCard__di__regularPayMonthLabel\">\/mois<\/span><\/div><\/div><div class=\"diResultCard__di__employerDetails\"><div class=\"diResultCard__di__employerLabel\"><p class=\"diResultCard__di__employerLabelSpan\">Couverture de l\u2019employeur<\/p><span class=\"diResultCard__di__employerLabelDescSpan\">pendant 4\u00a0mois<\/span><\/div><div class=\"diResultCard__di__employerCoverageAmount\"><div class=\"diResultCard__di__employerCoverageAmountSpan\"><span class=\"diResultCard__amount\">00.0<\/span><span class=\"diResultCard__currency\">$<\/span><span class=\"diResultCard__di__monthLabel\">\/mois<\/span><\/div><div class=\"diResultCard__di__employerCoverageAmountDesc\"><\/div><\/div><\/div><\/div><div class=\"diResultCard__action\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary diResultCard__bookacall modalTrigger__bookacall btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-23416-15cfaee9\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Planifier une consultation gratuite-# \">Planifier une consultation gratuite<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center diResultCard__learnMore mar-t-hlf mob-mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-invalidite\/\" data-dig-id=\"LP-23416-c67866f4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Apprenez-en davantage sur l\u2019assurance invalidit\u00e9\" class=\"rbc-link-format\">Apprenez-en davantage sur l\u2019assurance invalidit\u00e9<\/a><\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group diResult__resultDescription is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"diResult__resultDescriptionTitle\">Comment ce montant a-t-il \u00e9t\u00e9 calcul\u00e9&nbsp;?<\/p>\n\n\n\n<p class=\"diResult__resultDescriptionContent\"><strong>Paie habituelle apr\u00e8s imp\u00f4t<\/strong>&nbsp;: Nous avons divis\u00e9 par&nbsp;12 le revenu annuel brut que vous avez indiqu\u00e9, puis appliqu\u00e9 un taux moyen moyen d\u2019imposition de 25&nbsp;%. (Ce taux moyen est utilis\u00e9 \u00e0 titre indicatif. Votre taux d\u2019imposition r\u00e9el pourrait \u00eatre sup\u00e9rieur ou inf\u00e9rieur.)<br><strong>Couverture de l\u2019employeur<\/strong>&nbsp;: Nous avons multipli\u00e9 votre revenu annuel brut par le taux de couverture de l\u2019employeur que vous avez indiqu\u00e9, puis divis\u00e9 le r\u00e9sultat par 12&nbsp;mois, auquel nous avons appliqu\u00e9 un taux d&rsquo;imp\u00f4t estim\u00e9 de 25 %.<\/p>\n\n\n\n<p class=\"diResult__resultDescriptionContent\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group diResult__group__resultChart is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group diResultChart__container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-di-result-chart diResultChart\"><div class=\"diResultChart__result\"><div class=\"diResultChart__result__container\"><div class=\"diResultChart__result__title\">Projection financi\u00e8re sur 6\u00a0mois<\/div><div class=\"diResultChart__result__chartWrapper\"><div class=\"diResultChart__result__regularpay\"><span>Salaire r\u00e9gulier\u00a0: $<\/span><span class=\"diResultChart__result__regularpay__amount\"><\/span><\/div><div class=\"diResultChart__result__barChart\"><\/div><div class=\"diResultChart__barChart__monthsLabels\"><div class=\"diResultChart__barChart__monthLabel\">Mois 1<\/div><div class=\"diResultChart__barChart__monthLabel\">Mois 2<\/div><div class=\"diResultChart__barChart__monthLabel\">Mois 3<\/div><div class=\"diResultChart__barChart__monthLabel\">Mois 4<\/div><div class=\"diResultChart__barChart__monthLabel\">Mois 5<\/div><div class=\"diResultChart__barChart__monthLabel\">Mois 6<\/div><\/div><\/div><div class=\"diResultChart__result__legend\"><div class=\"diResultChart__result__legendItem\"><div class=\"diResultChart__result__legendTitle\"><span class=\"diResultChart__result__legendColor diResultChart__result__legendColor--benefit\"><\/span><span>Avantages sociaux et fonds d\u2019urgence<\/span><\/div><div class=\"diResultChart__result__legendDesc\">Couverts par les avantages sociaux de l\u2019employeur et l\u2019\u00e9pargne<\/div><\/div><div class=\"diResultChart__result__legendItem\"><div class=\"diResultChart__result__legendTitle\"><span class=\"diResultChart__result__legendColor diResultChart__result__legendColor--gap\"><\/span><span>\u00c9cart de revenu<\/span><\/div><div class=\"diResultChart__result__legendDesc\">Pourrait \u00eatre couvert par une assurance invalidit\u00e9 compl\u00e9mentaire<\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-support-card supportCardWrapper\">\n<div class=\"wp-block-group supportCard is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image size-large supportCard-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/advisors-img.svg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-21707\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading diResult__result__partialCoverage\" id=\"h-communiquez-avec-un-conseiller-pour-en-savoir-plus\">Communiquez avec un conseiller pour en savoir plus<\/h3>\n\n\n\n<p class=\"doveGrayText diResult__result__partialCoverage\">Il pourra vous fournir des conseils personnalis\u00e9s sur l\u2019assurance invalidit\u00e9, y compris sur le co\u00fbt mensuel et la dur\u00e9e de la couverture.<\/p>\n\n\n\n<div class=\"wp-block-button supportCard-button modalTrigger__bookacall btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-23416-e4846510\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Planifier un appel avec un conseiller&nbsp;RBC-# \">Planifier un appel avec un conseiller&nbsp;RBC<\/a><\/div>\n\n\n\n<p class=\"has-text-align-center supportCard-link\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-invalidite\/\" data-dig-id=\"LP-23416-fc61484c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Apprenez-en davantage sur l\u2019assurance invalidit\u00e9\" class=\"rbc-link-format\">Apprenez-en davantage sur l\u2019assurance invalidit\u00e9<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center supportCard-phone\">Vous avez besoin d\u2019aide&nbsp;maintenant&nbsp;? Appelez-nous au <a href=\"tel:18662627924\" data-dig-id=\"LP-32650-a326f6a5\" data-dig-label=\"1-866-262-7924\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-866-262-7924<\/a><\/p>\n\n\n\n<p class=\"has-text-align-center supportCard-phone supportCard-phone-hours\">(Du lundi au vendredi, de 9 h \u00e0 17 h, HE)<\/p>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide mob-mar-t-dbl mob-mar-b-dbl\"\/>\n\n\n\n<div class=\"wp-block-group diResult__result__partialCoverage is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"h-vous-avez-vu-l-ecart-faisons-en-sorte-que-cela-ne-vous-coute-rien\">Vous avez vu l\u2019\u00e9cart. Faisons en sorte que cela ne vous co\u00fbte rien.<\/h2>\n\n\n\n<p><span class=\"partial__border-bottom\">L\u2019assurance invalidit\u00e9 RBC prot\u00e8ge la paie sur laquelle votre famille compte en rempla\u00e7ant votre revenu lorsque vous ne pouvez pas travailler en raison d\u2019une blessure ou d\u2019une maladie. Ainsi, vos factures seront pay\u00e9es pendant que vous vous concentrez sur votre r\u00e9tablissement.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout2\">\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\"><\/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  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Wallet.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-couverture-abordable\">Couverture abordable<\/h4>\n<\/div>\n\n\n\n<p>Les primes de la couverture Blessure seulement peuvent \u00eatre aussi peu \u00e9lev\u00e9es que 10,50 $ par mois.<\/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\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Mobile.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-aucun-examen-medical\">Aucun examen m\u00e9dical<\/h4>\n<\/div>\n\n\n\n<p>Il suffit de r\u00e9pondre \u00e0 quelques questions de base pour demander la couverture Blessure seulement et Blessure et maladie. Si vous n\u2019\u00eates pas admissible \u00e0 la couverture en cas de maladie, vous pouvez obtenir la couverture Blessure seulement.<\/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\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/Money-Coin.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-transportable\">Transportable<\/h4>\n<\/div>\n\n\n\n<p>Contrairement \u00e0 l\u2019assurance dont vous b\u00e9n\u00e9ficiez par l\u2019interm\u00e9diaire de votre employeur, vous pouvez garder votre police si vous changez d\u2019emploi.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns mar-t-dbl mob-mar-t-dbl mob-pad-t-dbl 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\" style=\"flex-basis:33.33%\">\n<h2 class=\"wp-block-heading\" id=\"h-foire-de-questions-sur-l-assurance-invalidite\"><span class=\"partial__border-bottom\">Foire de questions sur l\u2019assurance invalidit\u00e9<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column mar-l-hlf mob-mar-t-dbl is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-rbc-faq faq\"><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-titlef7bd4153\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf7bd4153\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-23416-f7bd4153\" aria-controls=\"accordionf7bd4153\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Le gouvernement canadien n\u2019offre-t-il pas une couverture en cas d\u2019invalidit\u00e9 ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Le gouvernement canadien n\u2019offre-t-il pas une couverture en cas d\u2019invalidit\u00e9 ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf7bd4153\" role=\"region\" aria-labelledby=\"accordion-titlef7bd4153\"><div class=\"collapse-inner\">\n<p>Le R\u00e9gime de pensions du Canada (RPC) et le R\u00e9gime de rentes du Qu\u00e9bec (RRQ) pr\u00e9voient des prestations d\u2019invalidit\u00e9, mais elles font l\u2019objet de nombreuses limites :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour 2026, la prestation d\u2019invalidit\u00e9 mensuelle moyenne du RPC est de 1 210,86 $ et la prestation mensuelle maximale est de 1 741,20 $. Cette prestation est sensiblement inf\u00e9rieure \u00e0 celle que vous pourriez recevoir au titre d\u2019un de nos produits d\u2019assurance invalidit\u00e9. Ainsi, certains assur\u00e9s au titre d\u2019une police de la S\u00e9rie Professions peuvent recevoir jusqu\u2019\u00e0 25 000 $ par mois, selon leur profession, leur revenu pr\u00e9invalidit\u00e9 et d\u2019autres facteurs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour avoir droit aux prestations d\u2019invalidit\u00e9 du RPC, vous devez \u00eatre victime d\u2019une invalidit\u00e9 physique ou mentale grave et de longue dur\u00e9e et \u00eatre incapable d\u2019exercer quelque profession que ce soit. La d\u00e9finition de ce qui constitue une invalidit\u00e9 donnant droit \u00e0 des prestations au titre d\u2019une assurance protection du revenu en cas d\u2019invalidit\u00e9 de RBC Assurances est moins exigeante.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>En savoir plus: <a href=\"https:\/\/www.canada.ca\/fr\/services\/prestations\/pensionspubliques\/prestation-invalidite-rpc\/montant-prestation.html\" target=\"_blank\" data-dig-id=\"LP-23416-a51ee27b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"https:\/\/www.canada.ca\/fr\/services\/prestations\/pensionspubliques\/prestation-invalidite-rpc\/montant-prestation.html\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">https:\/\/www.canada.ca\/fr\/services\/prestations\/pensionspubliques\/prestation-invalidite-rpc\/montant-prestation.html<\/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-titleb597cca1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionb597cca1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-23416-b597cca1\" aria-controls=\"accordionb597cca1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Je suis d\u00e9j\u00e0 couvert par une assurance invalidit\u00e9 au travail. Pourquoi souscrire une autre police ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Je suis d\u00e9j\u00e0 couvert par une assurance invalidit\u00e9 au travail. Pourquoi souscrire une autre police ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionb597cca1\" role=\"region\" aria-labelledby=\"accordion-titleb597cca1\"><div class=\"collapse-inner\">\n<p>La r\u00e9ponse \u00e0 cette question d\u00e9pend du r\u00e9gime d\u2019assurance invalidit\u00e9 parrain\u00e9 par votre employeur ; vous devez donc l\u2019examiner attentivement pour savoir ce qu\u2019il couvre. L\u2019assurance parrain\u00e9e par l\u2019employeur prend habituellement fin \u00e0 la cessation d\u2019emploi. Un des avantages d\u2019une police d\u2019assurance invalidit\u00e9 souscrite aupr\u00e8s de RBC Assurances est que vous la conservez m\u00eame si vous quittez votre emploi.<\/p>\n\n\n\n<p>Voici quelques questions que vous devriez vous poser au sujet du r\u00e9gime de votre employeur :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Quel pourcentage de votre revenu serait remplac\u00e9 par le r\u00e9gime de votre employeur ? Allez-vous \u00eatre \u00e0 court d\u2019argent ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>L\u2019assurance de votre employeur couvre-t-elle les maladies et les blessures ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>L\u2019assurance vous couvre-t-elle seulement au travail ou en tout temps ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Le r\u00e9gime de l\u2019employeur offre-t-il des services de retour au travail ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Comment l\u2019invalidit\u00e9 est-elle d\u00e9finie ?<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Lorsque vous pourrez r\u00e9pondre \u00e0 ces questions, vous d\u00e9ciderez peut-\u00eatre que vous avez besoin d\u2019une protection additionnelle.<\/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-title433a23c7\" class=\"collapse-toggle collapsed\" data-target=\"#accordion433a23c7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-23416-433a23c7\" aria-controls=\"accordion433a23c7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"De quel montant d\u2019assurance invalidit\u00e9 ai-je besoin ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>De quel montant d\u2019assurance invalidit\u00e9 ai-je besoin ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion433a23c7\" role=\"region\" aria-labelledby=\"accordion-title433a23c7\"><div class=\"collapse-inner\">\n<p>Vos prestations d\u2019invalidit\u00e9 devraient \u00eatre suffisantes pour que vous et votre famille puissiez continuer \u00e0 vivre confortablement, comme si vous continuiez \u00e0 travailler \u00e0 temps plein. Commencez par faire la somme de vos frais de subsistance fixes mensuels, comme la nourriture, le logement, le transport, les services publics et autres frais divers. Soustrayez de ce montant tout revenu que vous recevrez d\u2019autres sources pendant une invalidit\u00e9, par exemple des placements, un immeuble de location et d\u2019autres assurances invalidit\u00e9. Le montant d\u2019assurance dont vous avez besoin est l\u2019exc\u00e9dent du total des d\u00e9penses sur le total des revenus. Bien s\u00fbr, aucune assurance invalidit\u00e9 ne saurait remplacer votre revenu en entier.<\/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-title6c191fb0\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6c191fb0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-23416-6c191fb0\" aria-controls=\"accordion6c191fb0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qui peut souscrire l\u2019assurance invalidit\u00e9 ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qui peut souscrire l\u2019assurance invalidit\u00e9 ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6c191fb0\" role=\"region\" aria-labelledby=\"accordion-title6c191fb0\"><div class=\"collapse-inner\">\n<p>Vous pouvez demander l\u2019assurance protection du revenu en cas d\u2019invalidit\u00e9 si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>vous remplissez les conditions de la police relativement \u00e0 l\u2019\u00e2ge :<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous avez entre 18 et 60 ans pour la S\u00e9rie Professions, la S\u00e9rie Fondations et la S\u00e9rie Avant-garde<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous avez entre 18 et 64 ans pour la couverture en cas de maladie et entre 18 et 69 ans pour la couverture en cas de blessure pour la S\u00e9rie Fondamentale<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous avez entre 18 et 65 ans pour l\u2019Assurance invalidit\u00e9 Simplifi\u00e9e RBC<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous avez entre 18 et 55 ans pour l\u2019assurance Protection-Retraite<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous \u00eates citoyen canadien ou r\u00e9sident permanent\/immigrant re\u00e7u<\/p>\n<\/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-title74ebef57\" class=\"collapse-toggle collapsed\" data-target=\"#accordion74ebef57\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-23416-74ebef57\" aria-controls=\"accordion74ebef57\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quel est le d\u00e9lai de carence pour une invalidit\u00e9 ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quel est le d\u00e9lai de carence pour une invalidit\u00e9 ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion74ebef57\" role=\"region\" aria-labelledby=\"accordion-title74ebef57\"><div class=\"collapse-inner\">\n<p>Le d\u00e9lai de carence est le nombre de jours entre le d\u00e9but d\u2019une invalidit\u00e9 et le jour o\u00f9 vous commencez \u00e0 recevoir des prestations. La plupart des contrats offrent un choix de d\u00e9lais de carence allant de 30 \u00e0 730 jours. L\u2019Assurance invalidit\u00e9 RBC Simplifi\u00e9e vous permet de choisir un d\u00e9lai de carence de 60 jours ou de 90 jours.<\/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-title6ce4d7ae\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6ce4d7ae\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-23416-6ce4d7ae\" aria-controls=\"accordion6ce4d7ae\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Puis-je annuler mon assurance invalidit\u00e9 en tout temps ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Puis-je annuler mon assurance invalidit\u00e9 en tout temps ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6ce4d7ae\" role=\"region\" aria-labelledby=\"accordion-title6ce4d7ae\"><div class=\"collapse-inner\">\n<p>Oui, vous pouvez r\u00e9silier votre assurance en tout temps en communiquant avec nous.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"toolsCalculators__descMsg\">Cette calculatrice fournit des estimations \u00e0 titre informatif seulement.<\/p>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer mar-b mob-mar-b\" 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-23416-e813a32c\" 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>Afficher les avis de non-responsabilit\u00e9<\/span><span>Cacher les avis de non-responsabilit\u00e9<\/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>Les estimations sont fournies \u00e0 titre indicatif seulement. Nous supposons 75&nbsp;% du salaire brut comme salaire net, et incluons une couverture de quatre mois des avantages sociaux offerts par l\u2019employeur, impos\u00e9e au taux de 25&nbsp;%. La couverture, les taxes et les frais r\u00e9els peuvent diff\u00e9rer.<\/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>Service Canada,&nbsp;<a href=\"http:\/\/www.canada.ca\/fr\/services\/prestations\/pensionspubliques\/rpc\/prestation-invalidite-rpc\/montant-prestation.html\" target=\"_blank\" data-dig-id=\"LP-23416-ce782d76\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"www.canada.ca\/fr\/services\/prestations\/pensionspubliques\/rpc\/prestation-invalidite-rpc\/montant-prestation.html\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">www.canada.ca\/fr\/services\/prestations\/pensionspubliques\/rpc\/prestation-invalidite-rpc\/montant-prestation.html<\/a><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<div class=\"wp-block-rbc-modal-popup\"><button class=\"rbci-modal-popup__trigger modalTrigger__bookacall\" type=\"button\">Open Modal<\/button><div class=\"rbci-modal-popup__overlay modalTrigger__bookacall hide\"><div class=\"rbci-modal-popup__content\"><button class=\"rbci-modal-popup__close\" type=\"button\">\u00d7<\/button>\n<div class=\"wp-block-rbc-form-step-manager formStepManager\" data-form=\"bac\" data-sfconfigs=\"{&quot;campaignName&quot;:&quot;Web - Disability Quote: Book a Call Lead&quot;,&quot;lineOfBusiness&quot;:&quot;health&quot;,&quot;leadType&quot;:&quot;Disability Quote&quot;,&quot;leadDesc&quot;:&quot;Disability Quote - Book a Call Lead&quot;,&quot;capturesLead&quot;:true}\">\n<div class=\"wp-block-rbc-form-step formStep formStep__last  active bookaCall isEdited\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image aligncenter size-large bookaCallImage\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/advisors-img.svg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-21707\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center bookaCallTitle\" id=\"h-planifiez-un-appel-avec-un-conseiller\">Planifiez un appel avec un conseiller<\/h3>\n\n\n\n<p class=\"has-text-align-center bookaCallDescription\">Examinez votre soumission avec nos conseillers autoris\u00e9s RBC pour obtenir des conseils d\u2019un expert sur la protection la mieux adapt\u00e9e \u00e0 vos besoins.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired\" data-target=\"booktime\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"booktime\" aria-label=\"Meilleur moment pour appeler\"><span class=\"inputLabel__text\">Meilleur moment pour appeler<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default bookaCallSelect selectDropdown__floating selectDropdown__custom\" id=\"booktime\"\t\t\tdata-option_name=\"booktime\" 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=\"S\u00e9lectionnez\">\n\t\t\t\t\tS\u00e9lectionnez\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 \"\n\t\t\t\t\t\tdata-option_value=\"Entre 9 h et 12 h environ\"\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\tEntre 9 h et 12 h environ\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=\"Entre 12 h et 16 h environ\"\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\tEntre 12 h et 16 h environ\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=\"Entre 16 h et 20 h environ\"\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\tEntre 16 h et 20 h environ\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=\"Aucune pr\u00e9f\u00e9rence\"\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\tAucune pr\u00e9f\u00e9rence\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\t\t<input type=\"hidden\" name=\"booktime\" value=\"\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Veuillez choisir l\u2019une des options<\/span><span class=\"inputField__error inputField__error__invalid\">Veuillez choisir l\u2019une des options<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__postalcode\" data-target=\"postalcode\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallpostalcode\" aria-label=\"Code postal\"><span class=\"inputLabel__text\">Code postal<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacallpostalcode\" class=\"input-textbox-input textbox-class\" name=\"postalcode\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Code postal non valide<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"bookacallfirstname\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallfirstname\" aria-label=\"Pr\u00e9nom\"><span class=\"inputLabel__text\">Pr\u00e9nom<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacallfirstname\" class=\"input-textbox-input textbox-class\" name=\"bookacallfirstname\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Pr\u00e9nom non valide<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"bookacalllastname\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacalllastname\" aria-label=\"Nom de famille\"><span class=\"inputLabel__text\">Nom de famille<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacalllastname\" class=\"input-textbox-input textbox-class\" name=\"bookacalllastname\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Nom de famille non valide<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__phone\" data-target=\"phone\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallphonenumber\" aria-label=\"Num\u00e9ro de t\u00e9l\u00e9phone\"><span class=\"inputLabel__text\">Num\u00e9ro de t\u00e9l\u00e9phone<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox tel left\"><div class=\"input-textbox-wrapper  input-textbox-indent\"><span class=\"input-textbox-prefix\">+1<\/span><input type=\"tel\" autocomplete=\"tel-national\" pattern=\"[0-9-]*\" placeholder=\"\" id=\"bookacallphonenumber\" class=\"input-textbox-input textbox-class\" name=\"phone\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Ce champ ne peut \u00eatre vide<\/span><span class=\"inputField__error inputField__error__invalid\">Num\u00e9ro de t\u00e9l\u00e9phone\u00a0non valide<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField  inputField__email\" data-target=\"bookacallemail\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallemail\" aria-label=\"Adresse courriel\"><span 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