Give your employees and their families the protection they deserve with the following coverage options:
With RBC Insurance® Group Life and Accidental Death & Dismemberment (AD&D) Insurance, employees can be confident that they and their loved ones have financial protection.
Life insurance helps to ease the financial strain on an employee’s family by providing a non-taxable lump sum benefit to the family should the employee pass away.
In addition to life insurance for employees, we also offer coverage for an employee’s spouse and dependents.
You can offer optional life insurance for employees, spouses and dependents who want more coverage than the basic policy provides.
Accidental Death and Dismemberment (AD&D) Insurance provides an employee’s beneficiary with a benefit amount if an accident results in death, or financial compensation to the employee if an accident results in the loss of a limb, eyesight, hearing, speech or paralysis.
RBC Insurance® Group Disability Insurance can help provide financial support when an employee becomes sick or injured. Plus, rehabilitation and return-to-work programs can help an employee get back to work.
Disability insurance protects both your company and employees from financial strain by providing employees with benefit payments equal to a portion of their regular salary.
If you choose to offer Long Term Disability benefits only, you may need help determining if an employee with a short term disability should continue to be paid, and for how long. RBC Insurance provides the advice needed for a flat fee per claim, plus any direct claims expenses.
A Long Term Disability plan can help protect your company and employees from the financial burden of a long term absence due to injury or illness by providing benefits to replace a portion of an employee’s regular salary.
Help bridge the gap in employees’ provincial health coverage. We’re committed to containing costs for your company while making it easy for employees to submit claims and understand their coverage.
Customize your company’s prescription drug plan based on:
Healthcare benefits include coverage for:
Offer employees basic dental coverage onlywhich includes recall exams, scaling, x-rays, filings and moreor basic coverage plus:
An HSA can be used to allocate a certain amount of money to employees each year. Employees and their eligible dependents can use their HSA funds to pay for eligible1 health and dental expenses not reimbursed by their regular plan, such as:
The surviving spouse or dependents of a deceased employee receives up to two years of continued benefits, with no premiums to pay, or cost to the company.
Cost Plus provides the option to pay for an employee’s unforeseen medical and dental expenses not covered under the plan.
We also offer a range of services, programs and discounts to support your business and employees:
All plan designs are subject to underwriting approval. Limitations and exclusions apply. Benefit features and maximums may vary based on group size.