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Explore the Features and Benefits

Resources that may help you in your day-to-day activity

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.

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 on your phone)

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.

Download a Form or Document

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.

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