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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 Program, powered by LifeWorks (also available through a link in the My Benefits app)

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

View the Demo

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 Store or Google Play. 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 Reader 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.

Looking for Something Else?

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

Call 1-855-264-2174

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