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Making a Claim

Knowledgeable claims and service advisors are available to help you.

How to Make a Claim

What to Do if You Have a Claim for Disability, Critical Illness, Long-Term Care Insurance or Hospital Insurance

Dealing with a health issue or disability can be stressful. We’re here to help support you and make things as easy as possible.

Follow these steps:

Having the policy number handy when you call will help us give you faster service. If you can’t find it, don’t worry—we can still assist you.

You will need to make your claim within a certain period of time—this varies by coverage type and is outlined in your policy.

We will guide you through the claims process and the documentation you need. What you need to make a claim depends on the type of coverage you have.

In general, you will need to provide:

  • A completed claim form (if you don't have the form, we will send you one)
  • Documentation from your physician
  • For disability insurance, a form completed by your employer
  • Possibly other documentation

Filing a claim

Call us to file a health insurance claim :

Locate the health insurance policy, if possible.

Call 1-877-519-9501

Mon-Fri: 8am-5pm, ET

Claim Forms

The forms below can be used to file a claim for health insurance benefits:

All instructions are included with the form. For questions or to request a form not included below, please contact your advisor or call us.

Complete this form to file for benefits under your disability insurance policy.

Download Form

This form is to be completed by your physician and submitted along with the Disability Claim Form. Choose the appropriate form below:

Complete this form to file for benefits under your critical illness insurance policy.

Download Form

This form is to be completed by your physician and submitted along with the Notice of Critical Illness Form. Choose the appropriate form below

This form must be completed and submitted by your facility or home care provider to help us assess a long-term care insurance claim.

Download Form

This form must be completed and submitted by your family physician to help us assess a claim for long-term facility care.

Download Form

This form must be completed and submitted by your family physician to help us assess a claim for long-term home care.

Download Form

This form must be completed and submitted by you or your Power of Attorney to help us assess a claim for long-term facility care.

Download Form

This form must be completed and submitted by you or your Power of Attorney to help us assess a claim for long-term home care.

Download Form

Having the policy number handy when you call will help us give you faster service. If you can't find it, don't worry—we can still assist you.

Customer Service and Support

Manage your life insurance policy

Questions about your policy?

Call us if you have a question about your existing health insurance policy.

Disability, Critical Illness and Hospital Insurance:

Call 1-888-604-3434

Mon-Fri: 8am-6pm, ET

Need to update your policy?

Use the forms below to make a change to your policy. All instructions are included with the form. For questions or to request a form not included below, please contact your advisor or call us.

Use this form to change the ownership on your critical illness insurance policy. (For example, if your employer or a business partner owns the policy on you and you change jobs, this form would be used to assign policy ownership to you.)

Download Form

Use this form to change the ownership on your disability insurance policy. (For example, if your employer or a business partner owns the policy on you and you change jobs, this form would be used to assign policy ownership to you.)

Download Form

Complete this form to change the insurance agent or representative that services your policy.

Download Form

Complete this form to reinstate a lapsed policy or to make changes to your existing policy coverage.

Download Form

Complete this form if you have a wage loss replacement plan (WLRP) for disability insurance with your employer and your agreement with your employer has ceased (for example, your employment has terminated).

Download Form

Use this form to change your beneficiary for a disability policy. The assigned beneficiary will receive any applicable refunds in the event of death.

Download Form

Use this form to change your beneficiary for a critical illness insurance policy. The assigned beneficiary will receive any applicable refunds in the event of death.

Download Form

Use this form to cancel your existing critical illness or disability insurance policy.

Download Form

Use this form for a variety of requests, such as making a name or address change, assigning or releasing a collateral assignment, or cancelling a policy. You can also use this form to request a duplicate contract.

Download Form

If you would like to pay your premium by pre-authorized monthly debit, please complete this form and return it to our office.

Download Form

Need disability return to work assistance?

Look for more from your disability insurance.

Getting back to work after a disability is good for your physical, emotional and financial well-being. Return to work assistance can start as early as the first day of your disability.

Call 1-877-519-9501

Mon-Fri: 8:00am-5:00pm, ET

We may provide help in returning you to work or enhancing your ability to work. Services can include:

  • Co-ordination and payment for physical and/or psychological rehabilitation services
  • Financial and business planning
  • Transferrable skills analysis, which includes identifying other occupations you could perform
  • Job training and education
  • Job search assistance and placement

We may also provide job or work-site modifications to accommodate your needs, such as:

  • Ergonomic furniture and/or equipment
  • Working with you and your employer to change your job duties
  • Assistive devices such as mobility-enhancing equipment or visual/audio devices

Note: Availability, details and limits of return to work assistance benefits vary by plan. Return to work benefits are not available with RBC Simplified® Disability Insurance.

Claims and Service FAQs

Find answers to your questions about health insurance claims and making changes to your policy.

To make a change to your disability, critical illness, long-term care or hospital insurance:

Call 1-888-604-3434

Mon-Fri: 8:00am-5:00pm, ET

You can also download change forms online.

You will need to complete the appropriate Change of Beneficiary/Recipient form to change the person who would receive your benefits in the event of your death. You can download change forms online.