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Free Access to Online Therapy

Get AbilitiCBT, therapist-assisted online cognitive behaviour therapy for support with new or worsening mental health issues that you may be facing as a result of COVID-19. Available for a limited time.

Explore the Features and Benefits

Discover how to make the most of your group benefits!

Value-Added Services and Savings

Save time and money with the value-added services available through RBC Insurance Group Benefit Solutions, most of which are available to you at no cost.

Mental Health Support Services

Your mental health is important. Get help in taking care of yourself with support solutions designed to help you cope with anxiety, grief, depression and more. Meet with counselors face-to-face or take part in virtual support.

Learn More

NEW: Free Access to Online Therapy

Get AbilitiCBT, therapist-assisted online cognitive behaviour therapy for support with new or worsening mental health issues that you may be facing as a result of COVID-19. Available for a limited time.

Learn More

Manage Your Benefits Online

Access information about your plan benefits, eligibility, claims information and more. Here’s a quick overview of what you can do within the site:

  • View your Employee Benefits Booklet to understand what your benefits cover
  • View your benefit eligibility, such as the next date you can schedule a dental exam
  • Submit a health or dental claim
  • Print personalized claim forms
  • View claims information for you and your family
  • View and print a claims history for tax purposes or to coordinate benefits with your spouse’s plan
  • View your statements
  • Sign up for direct deposit so claim payments can be deposited to your bank account
  • Access your digital Wellness ProgramOpens in new window, powered by LifeWorks (also available through a link in the My Benefits appOpens in new window)

Explore the demo today to see how easy it is to manage your benefits online!

View the DemoOpens in new window

Health and Dental Claims Tips

Make sure that your claims are processed as quickly as possible.

  • Coordinate Health & Dental benefits. If you or your dependents are covered under more than one benefit plan (for example, your spouse's plan), you can claim up to 100% of an eligible expense by coordinating your benefits under both plans.

    • Submit your claim under your plan first, and send any remaining balance to your spouse’s plan.
    • Your spouse's claims should go to his or her plan first, with any remaining balance sent to your plan.
    • Dependent children are covered first by the plan of the parent whose birthday falls earlier in the year. So, if your birthday falls in January and your spouse's birthday is in March, you should submit your child’s claims to your plan first.
    • You will receive an Explanation of Benefits (EOB) statement from the first insurance company you file with showing how much of the claim has been covered. Submit the EOB statement, along with copies of your expense receipts, to the second insurance company in order to claim any remaining eligible balance.
  • Get pre-authorization first. Not sure if a service is covered? We recommend that you get pre-authorization from us first before you receive any service valued over $300. This can help avoid surprises and out-of-pocket expenses in case a certain service isn’t covered.
  • Ask your provider to submit claims on your behalf. Some health and dental providers can submit claims to us on your behalf, and let you know if you owe any amounts due to deductibles and reimbursement levels. Check with your provider to see if this option is available.
  • Submit all forms as soon as possible. Once we receive your completed claim form, we will acknowledge our receipt of it within one business day. We will schedule a telephone call with the assigned disability claims specialist, and make a decision to approve—or ask for more information—within 10 business days. You will be provided with a status of your claim every 30 days until a decision is made.
    We recommend submitting your completed claims forms (client + authorization, employer and physician statements) 8 weeks prior to the end of the elimination period to ensure a timely decision.
  • Ensure all forms are completed in full. Here’s how:
    • Complete the sections on the form that apply to you, and have your doctor complete the ‘attending physician’s’ section of the form
    • Be sure your doctor includes a specific diagnosis and indicates how your condition affects your ability to do your job
    • Your doctor will also need to list all treatments you are receiving, including surgery, medications, physiotherapy, etc.
    • Submit the form to your benefit administrator or human resources department so they can complete their section to confirm your absence
  • Double-check claim forms. Make sure your claim form is accurate and completed in full, signed, and submitted with the paid receipt enclosed. We cannot accept photocopies and faxed receipts.
  • Keep your information current. Always keep your personal information up-to-date (bank account, address, etc.) You can make updates easily by signing in to our Online Group Benefit Solutions service.
  • Ensure claim forms aren’t fraudulent. Ensure your Explanation of Benefits claim statements are correct and double-check receipts to be sure you received what is being charged to your plan. Providing false claim documents or exaggerating services constitutes fraud. If you realize you have made a mistake after submitting a claim, let us know right away so we can help correct the situation.

Disability Claim Tips

Dealing with a disability can be stressful. We’re here to help support you and make things as easy as possible. Review the following for an overview of what to expect when making a disability claim.

  • Make sure all required claim forms are completed and submitted as early as possible—ideally at least 8 weeks prior to the end of the elimination period.
  • While on claim, focus on your recovery and follow any treatment program that your physician recommends.
  • Keep in touch with your disability claims specialist and your employer.

See the Disability Claim FAQs below for additional guidance on what to expect throughout the claims process.

Travel Tips

Prior to travelling, review your Employee Benefits Booklet to understand what your benefits cover.

  • If you have a medical emergency while on your trip, one toll-free phone call puts you in touch with a multilingual coordinator who can help you—24 hours a day, seven days a week.
    • Call 1-855-603-5571 (in Canada or the U.S.) or 1-905-608-8251 (collect from anywhere in the world)
    • If the medical emergency prevents you from calling before receiving treatment, we ask that you (or someone else on your behalf) call us at the earliest opportunity.

Download the Path app for free from the Apple StoreOpens in new window or Google PlayOpens in new window. With this app, you can:

  • Search your location to find a medical facility for emergency assistance
  • Call or email Assured Assistance directly for emergency medical assistance
  • Access worldwide assistance numbers
  • Contact local emergency services
  • Access up-to-date travel advisories

Need entertainment planning or assistance during your trip? Take advantage of our complimentary concierge services. Here are few examples of what concierge services can help you with:

  • Travel information services: currency exchange rates, ATM locations, ground transportation, consulate and embassy locations, hotel reservations, baggage tracing, international driver's license information, customs information, details on country-to-country calling, and more
  • Entertainment planning: restaurant and golf course locations/reservations, spa reservations, tickets for events, yacht and fishing charter reservations, and more
  • Personal services: email/phone messaging to family and friends, floral services, legal/bail assistance, and more

Call 1-855-603-5571 toll free in Canada or the U.S. or 905-608-8251 collect from anywhere in the world.

Download a Claim Form

To access personalized forms, please sign in to the Online Group Benefit Solutions service.

Note: Forms are provided in Adobe PDF format. A recent version of Adobe ReaderOpens in new window or Adobe Acrobat may be required to open, read and print a form on your system.

Protect Your Plan. Report Insurance Fraud.

If you suspect fraud is occurring, call our confidential phone line to report it anonymously.

Learn more about Insurance Fraud

Plan Member FAQs

Don’t see your question? Please contact your Plan Administrator or call us at 1-855-264-2174.

You can sign in to our secure Online Group Benefit Solutions service to check the details of your plan and get a copy of your Employee Benefits Booklet.

If you do not have access to the Online Group Benefit Solutions service, you can call us at 1-855-264-2174 and one of our representatives will be glad to assist you.

Unless your benefit plan documents state otherwise, dependent children are covered to the end of the month in which their 21st birthday occurs, or the end of the month in which their 26th birthday occurs if they are a full-time student. For students, you must submit proof to your Plan Administrator on an annual basis that the dependent is enrolled full-time at an accredited college, university or educational institute.

You can use your Health Spending Account (HSA) for eligible health-related expenses such as:

  • Deductibles or co-insurance payments for health and dental expenses
  • Health or dental expenses in excess of maximum coverage amounts
  • A wide range of other health-related expenses that are not covered by your health and dental plan, but qualify as a medical expense under the Canadian Income Tax Act

You can find a full list of eligible expenses on the Canada Revenue Agency websiteOpens in new window.

Sign in to our secure Online Group Benefit Solutions serviceOpens in new window, select ‘Manage Now’ to enter your Online Health & Dental Claims Centre and from the home page, select ‘Is My Drug Covered?’ or use the RBC Insurance My Benefits appOpens in new window on your smartphone, where you will find a lookup tool that allows you to verify whether or not a drug is covered under your benefits plan.

To begin your lookup, enter the drug name or Drug Identification Number (DIN). Then select the plan member from the drop-down menu. If the drug is eligible as a benefit of the plan, you will see ‘covered’. If the drug is not covered by the plan, you will see ‘not covered. If the drug requires authorization, a link to the form will appear. If the drug was substituted with a lower cost alternative, a special message will be displayed. View the steps in our demoOpens in new window.

To locate professional service providers, use the ‘Find a Health Provider’ lookup feature. Sign in to our secure Online Group Benefit Solutions serviceOpens in new window, select ‘Manage Now’ and from the home page, select ‘Find a Provider’ or use the RBC Insurance My Benefits appOpens in new window on your smartphone.

All providers found are registered with RBC Insurance. Once you select a provider, confirmation will appear if the provider has the ability to bill RBC Insurance directly on your behalf and if the provider will direct bill. If your provider is not shown, additional information may be required at time of claim. Call our health and dental claims line at 1-855-264-2174 to confirm a provider’s eligibility prior to receiving services.

To verify if coverage for various medical expenses are available, use the ‘Benefit Eligibility’ feature. Sign in to our secure Online Group Benefit Solutions serviceOpens in new window, select ‘Manage Now’ and from the left-hand navigation, select ‘My Benefits’, ‘Benefit Eligibility’ or use the RBC Insurance My Benefits appOpens in new window on your smartphone. You can also have your provider submit a pre-determination request before you have expensive medical or dental treatments or call our health and dental claims line at 1-855-264-2174 to verify your coverage eligibility.

To find out if your medication is covered, call the health and dental claims line at 1-855-264-2174.

You can also sign in to our secure Online Group Benefit Solutions serviceOpens in new window, select ‘Manage Now’ to enter your Online Health & Dental Claims Centre and from the home page, select ‘Is My Drug Covered?’ or use the RBC Insurance My Benefits appOpens in new window on your smartphone, where you will find a lookup tool that allows you to verify whether or not a drug is covered.

If you’ve submitted a claim that was denied but was previously covered by your employer before switching to RBC Insurance, you may still be able to have your medication or condition added to the RBC Insurance group benefits plan. You will need to provide an Explanation of Benefits (EOB) or approval letter from your previous carrier showing that the claim was previously covered. This proof cannot be older than 6 months.

Prior to travelling, review your Employee Benefits Booklet to understand what your benefits cover. Your ID card contains contact information you’ll need in the event of an emergency, so be sure to keep it with you while travelling. Also download the Path app for free from the Apple StoreOpens in new window or Google PlayOpens in new window. With this app, you can:

  • Search your location to find a medical facility for emergency assistance
  • Call or email Assured Assistance directly for emergency medical assistance
  • Access worldwide assistance numbers
  • Contact local emergency services
  • Access up-to-date travel advisories

Note: Before you seek medical treatment, it’s important that you call the number listed on your ID card as soon as possible. The call centre is available 24 hours a day, 365 days a year worldwide, and can help to ensure that you get the care you need without incurring unnecessary out-of-pocket costs. Call 1-855-603-5571 (in Canada or the U.S.) or 1-905-608-8251 (collect from anywhere in the world).

You may be eligible to convert all or a part of your life and/or disability coverage to an individual plan within 31 days of your employment ending. For more details, please contact your Plan Administrator or Benefit Advisor.

Our Group Long Term Disability CoverageOpens PDF in new window brochure provides a helpful summary of key points to keep in mind about your coverage.

You and your eligible dependents have access to a variety of health and well-being services and programs at no additional cost:

RBC Insurance Wellness Program
Make real improvements to your health with ongoing wellness recommendations, access retailer discounts at your favourite retailers and enjoy progress-based incentives by participating in the RBC Insurance Wellness Program, powered by LifeWorks.

Work-Life Employee Assistance Program
Whatever challenge you're facing, the RBC Insurance Work-Life Employee Assistance Program is there to help you and your eligible dependents by providing access to counselling, online educational resources, research and referrals, and more.

Best Doctors
Best Doctors can connect you with the right medical care and advice when you need it most. Confirmation of diagnosis and treatment, referrals to doctors with special expertise and advice on navigating the healthcare system is available to you and your eligible dependents.

Drug Compatibility Test
We are all genetically unique, and so is our response to medication. As a plan member, you can receive preferred pricing for a drug compatibility test that can identify which drugs work best for you.

Discount Programs
As a plan member, you can access a variety of discounts and savings such as offers for everyday shopping, travel, entertainment, and lifestyle purchases, as well as health and wellness products and services.

Looking for Something Else?

Sign in to Online Group Benefit Solutions, call us or contact your Plan Administrator.

Call 1-855-264-2174

Discover and Learn