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Which plan is right for you?

  RBC Simplified® Disability Insurance The Professional Series® Policy The Foundation Series Policy Bridge Series® Policy The Fundamental Series Policy Quantum
Ideal for
  • Self-employed
  • Contract workers or subcontractors
  • Part-time or seasonal workers
  • Those without a group disability plan or want to add to existing coverage
  • Those who work on a fee-for-service basis (doctors, lawyers or accountants)
  • High-income professionals or executives
  • Small business owners or managers
  • Tradespeople (plumbers, electricians, etc.)
  • Middle-income earners (in sales or office work)
  • Self-employed farmers
  • Small business owners or managers
  • Tradespeople (plumbers, electricians, etc.)
  • Middle-income earners (in sales or office work)
  • Self-employed farmers
  • Self-employed
  • Contract workers
  • Retail workers
  • Construction workers
  • Tradespeople (plumbers, electricians, etc.)
  • Self-employed farmers
  • Those who work on a fee-for-service basis (doctors, lawyers or accountants)
  • High-income professionals or executives
– Eligibility
Age Eligibility 18-55 years 18-60 years 18-60 years 18-60 years 18-64 years (illness coverage)

18-69 (injury coverage)
18-60 years
Medical Exam Required No Typically, yes Typically, yes Typically, yes For illness coverage only Typically, yes
– Coverage and Benefits
Definitions of Disability Included1 Total disability
  • Total disability
  • Residual disability
  • Partial disability
Total disability Total disability
  • Total disability
  • Partial disability
Loss of earnings
(An illness or injury reduces your ability to work and causes at least a 20% loss of earnings.)
Return to Work Benefits Included No Yes Yes Yes Yes Yes
Timeframe to Receive Benefits 2 years
  • 2 years
  • 5 years
  • To age 65
  • 2 years
  • 5 years
  • 10 years2
  • To age 65
  • 2 years
  • 5 years
  • To age 65
  • 2 years (illness coverage)
  • 5 years
  • To age 70
  • 2 years
  • 5 years
  • To age 65
Benefits Reduced if Receiving Other Disability Benefits No No Minimally reduced if receiving disability payments from auto insurance Yes, in some cases Yes, in some cases Yes
Other Features
  • Covers injury only, or both illness and injury
  • You can keep policy if you change jobs
  • Recovery benefit
  • Step rates available to ages 18-35 (pay less at start of your career)
  • From age 55 to 65, you can convert all or some of your coverage to long-term care insurance3
  • You can keep policy if you change jobs
  • Recovery benefit
  • Step rates available to ages 18-35 (pay less at start of your career)
  • Special underwriting guidelines for farmers
  • From age 55 to 65, you can convert all or some of your coverage to long-term care insurance3
  • You can keep policy if you change jobs
  • Special underwriting guidelines for farmers
  • From age 55 to 65, you can convert all or some of your coverage to long-term care insurance3
  • You can keep policy if you change jobs
  • Covers injury only, or both illness and injury
  • Accidental medical emergency benefit
  • Level premiums
  • Plan option with benefits paid from the first day of disability due to injury
  • You can keep policy if you change jobs
  • Recovery benefit
  • Step rates available to ages 18-35 (pay less at start of your career)
  • From age 55 to 65, you can convert all or some of your coverage to long-term care insurance3
  • You can keep policy if you change jobs
Optional Coverages for Additional Protection Illness coverage

Yes, numerous options

  • Add more coverage, subject to approval
  • Future income option, subject to approval
  • Cost of living benefit
  • Retirement Protector
  • First day of hospitalization benefit
  • Accidental death and dismemberment benefit

Yes, numerous options

  • Add more coverage, subject to approval
  • Future income option, subject to approval
  • Partial disability benefit
  • Enhanced definition of disability benefit
  • Cost of living benefit
  • Retirement Protector
  • First day of hospitalization benefit
  • Accidental death and dismemberment benefit

Yes, numerous options

  • Enhanced definition of disability benefit
  • Future income option, subject to approval
  • Partial disability benefit
  • Cost of living benefit
  • Retirement Protector
  • Hospitalization benefit
  • Illness coverage
  • Accidental death and dismemberment rider
  • Business overhead expense benefit

Yes, numerous options

  • Add more coverage, subject to approval
  • Future income option, subject to approval
  • Cost of living benefit
  • Retirement Protector
– Premiums
Premiums Guaranteed Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics) Yes, to age 65 Yes, to age 65 Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics) Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics) Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)

The information provided herein is for comparison of current product offerings only and does not replace the policy contract. Please refer to the policy contract for a full explanation of benefits, including definitions, benefit amount, optional benefits, exclusions and limitations.
Policy will include definitions of disability.
Certain occupations.
Some restrictions apply.