{"id":15105,"date":"2025-03-25T09:05:07","date_gmt":"2025-03-25T13:05:07","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=15105"},"modified":"2026-03-27T09:53:40","modified_gmt":"2026-03-27T13:53:40","slug":"group-benefit-solutions","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/group-benefit-solutions\/","title":{"rendered":"Group Benefit Solutions"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/group-benefits-solutions-desktop.png) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/group-benefits-solutions-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading rbc-callout-heading\" id=\"h-group-benefit-solutions\">Group benefit solutions<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Choose from a range of coverage options and flexible features to protect your employees and your business.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-attract-and-keep-happy-employees\"><span class=\"partial__border-bottom\">Attract and keep happy employees<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-for-plan-members\">For plan members<\/h4>\n<\/div>\n\n\n\n<p class=\"get-your-free-quote-call\">If you have an RBC Insurance Group Benefits plan and are calling to inquire about your existing policy please:<\/p>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Email <a href=\"mailto:groupbenefitssolutions@rbc.com\" class=\"rbc-link-format\">groupbenefitssolutions@rbc.com<\/a>  or  <a href=\"tel:+18888229617\" data-dig-id=\"LP-15105-c52499db\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-888-822-9617\" class=\"rbc-link-format\">Call 1-888-822-9617<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-for-business-owners-or-plan-administrators\">For business owners or plan administrators<\/h4>\n<\/div>\n\n\n\n<p class=\"get-your-free-quote-call\">If you are a business owner or plan administrator and would like to inquire about RBC Insurance Group Benefits, submit a contact request.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/cgi-bin\/gbrf\/form.cgi\" data-dig-id=\"LP-15105-4ffec2f6\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Submit a contact request-https:\/\/silver.rbcinsurance.com\/cgi-bin\/gbrf\/form.cgi \">Submit a contact request<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-video-wrapper video-wrapper\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column text-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-digital-access-simpler-benefits-better-health\"><span class=\"partial__border-bottom\">Digital access. Simpler benefits. Better health.<\/span><\/h2>\n\n\n\n<p>Having a digitally enabled group benefits partner means employers can offer their employees more options and easier access to health and wellness support. Give your employees and their families the protection they deserve with coverage that includes:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-icon mar-t-hlf mob-mar-t-hlf\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Best-in-class products<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Self-serve claims management portal<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Wellness and mental health support<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Access to health care professionals and services<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>24\/7 access via computer or mobile app<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column video-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"video-block\"><div class=\"video-wrapper-inner\" style=\"padding-bottom:56.25%\"><video controls class=\"test\" style=\"width:;height:\" poster=\"\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/gbs-digital-solutions-en.mp4\" data-dig-id=\"LP-15105-c87e8144\" data-dig-category=\"LP\" data-dig-action=\"video play\" data-dig-label=\"Digital access. Simpler benefits. Better health\" data-dig-description=\"RBC Insurance Group Benefits Solutions\"><p class=\"vjs-no-js\">To view this video please enable JavaScript, and consider upgrading to a web browser that <a href=\"http:\/\/videojs.com\/html5-video-support\/\" target=\"_blank\" rel=\"noopener noreferrer\">supports HTML5 video<\/a><\/p><track kind=\"captions\" src=\"\" srclang=\"en\" label=\"English\"\/><\/video><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Coverage under Group Benefit Solutions<sup><a href=\"#legal-1\" data-dig-id=\"LP-15105-6cce3586\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup><\/span><\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Group Life and AD&amp;D insurance\">\n\t\t\t\t\tGroup Life and AD&amp;D insurance\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tGroup Life and AD&amp;D insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tGroup Disability insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tGroup Health and Dental insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tGroup Critical Illness insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Group Life and AD&amp;D insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Group Disability insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Group Health and Dental insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Group Critical Illness insurance<\/div><\/div><p class=\"faqWrapper__helpText\">Still have questions? <a href='#'>Contact us.<\/a><\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Group Life and AD&amp;D insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>With RBC Insurance Group Life and Accidental Death &amp; Dismemberment (AD&amp;D) Insurance, employees can be confident that they and their loved ones have financial protection.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebenfop2u\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbenfop2u\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-benfop2u\" aria-controls=\"accordionbenfop2u\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Basic life insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Basic life insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbenfop2u\" role=\"region\" aria-labelledby=\"accordion-titlebenfop2u\"><div class=\"collapse-inner\">\n<p>Life insurance helps to ease the financial strain on an employee\u2019s family by providing a non-taxable lump sum benefit to the family should the employee pass away.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Choose to offer a flat coverage amount or a multiple amount of the employee\u2019s salary<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>An employee may be eligible to convert to an individual policy if he or she leaves the company<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Premiums may be waived up to age 65 if the employee becomes disabled<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>In addition to life insurance for employees, we also offer coverage for an employee\u2019s spouse and dependents.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4ctfn8q6\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4ctfn8q6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-4ctfn8q6\" aria-controls=\"accordion4ctfn8q6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Optional life insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Optional life insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4ctfn8q6\" role=\"region\" aria-labelledby=\"accordion-title4ctfn8q6\"><div class=\"collapse-inner\">\n<p>You can offer optional life insurance for employees, spouses and dependents who want more coverage than the basic policy provides.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Employees can buy additional coverage at no extra cost to your company<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Employees can easily pay for their coverage through payroll deductions<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekw8la8k9\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkw8la8k9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-kw8la8k9\" aria-controls=\"accordionkw8la8k9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Accidental Death and Dismemberment insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Accidental Death and Dismemberment insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkw8la8k9\" role=\"region\" aria-labelledby=\"accordion-titlekw8la8k9\"><div class=\"collapse-inner\">\n<p>Accidental Death and Dismemberment (AD&amp;D) Insurance provides an employee\u2019s beneficiary with a benefit amount if an accident results in death, or financial compensation to the employee if an accident results in the loss of a limb, eyesight, hearing, speech or paralysis.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Additional ancillary financial benefits are provided to cover day care for children<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Rehabilitative physical therapy benefits are also offered<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Group Disability insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>RBC Insurance Group Disability Insurance can help provide financial support when an employee becomes sick or injured. Plus, rehabilitation and return-to-work programs can help an employee get back to work.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleyep0drlf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionyep0drlf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-yep0drlf\" aria-controls=\"accordionyep0drlf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Short term disability insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Short term disability insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionyep0drlf\" role=\"region\" aria-labelledby=\"accordion-titleyep0drlf\"><div class=\"collapse-inner\">\n<p>Disability insurance protects both your company and employees from financial strain by providing employees with benefit payments equal to a portion of their regular salary.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Employees may qualify for benefits without being totally disabled<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Employees may be able to work in a reduced capacity, with benefits<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Return-to-work and rehabilitation programs can help your employees return to work gradually or learn new skills for a different job<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlek5is8mx8\" class=\"collapse-toggle collapsed\" data-target=\"#accordionk5is8mx8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-k5is8mx8\" aria-controls=\"accordionk5is8mx8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Short term disability advice to pay\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Short term disability advice to pay<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionk5is8mx8\" role=\"region\" aria-labelledby=\"accordion-titlek5is8mx8\"><div class=\"collapse-inner\">\n<p>If you choose to self-insure for short-term disabilities, you may need help evaluating and managing employee absences during the short-term disability period. With our <strong>Short-Term Disability Advice to Pay (ATP)<\/strong> service, you get access to a professional team of disability experts who can help you determine what to do next with confidence and clarity. We offer two ATP service levels to meet your needs.<\/p>\n\n\n\n<p><strong>Basic<\/strong><\/p>\n\n\n\n<p>Select this limited<sup><a href=\"#legal-2\" data-dig-id=\"LP-15105-e9dee803\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup> service level if you anticipate absences that will be simple and straightforward with clear outcomes and timelines for return-to-work. Services include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Collection and review of claim information<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Interview with you, your employee and their health care team to ensure all factors are captured<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Upfront advice about benefit entitlement, anticipated absence duration, and return-to-work date<\/p>\n\n\n\n<p><strong>Enhanced<\/strong><\/p>\n\n\n\n<p>Select this service level if you&#8217;re looking for a more comprehensive claims management solution. In addition to the &#8220;Basic&#8221; services, this service level also includes:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Ongoing assessment and claim management throughout the short-term disability period<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Regular communication with you and your employee<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Continued advice about benefit entitlement and absence duration<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Rehabilitation and return to work support, if appropriate<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleewhf67lt\" class=\"collapse-toggle collapsed\" data-target=\"#accordionewhf67lt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-ewhf67lt\" aria-controls=\"accordionewhf67lt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Long term disability insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Long term disability insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionewhf67lt\" role=\"region\" aria-labelledby=\"accordion-titleewhf67lt\"><div class=\"collapse-inner\">\n<p>A Long Term Disability plan can help protect your company and employees from the financial burden of a long term absence due to injury or illness by providing benefits to replace a portion of an employee\u2019s regular salary.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Employees can return to work in a reduced capacity, and still receive benefit payments<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Rehabilitation and return-to-work programs can help employees return to work gradually or learn new skills for a different job<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Optional Spousal Disability Benefits are available<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A Survival Benefit is paid to an eligible survivor if an employee passes away while receiving benefit payments<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A cost-of-living increase helps ensure that monthly benefit payments keep pace with inflation<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Additional services like Teladoc Medical Experts and Employee Assistance Programs are standard features<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Group Health and Dental insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Help bridge the gap in employees\u2019 provincial health coverage. We\u2019re committed to containing costs for your company while making it easy for employees to submit claims and understand their coverage.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecz56a0bt\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncz56a0bt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-cz56a0bt\" aria-controls=\"accordioncz56a0bt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Prescription drug coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Prescription drug coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncz56a0bt\" role=\"region\" aria-labelledby=\"accordion-titlecz56a0bt\"><div class=\"collapse-inner\">\n<p>Customize your company\u2019s prescription drug plan based on: reimbursement levels, drug plan maximums, deductibles, dispensing-fee caps, the types of drugs offered, and how employees are reimbursed for their prescriptions.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlejjacf6hg\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjjacf6hg\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-jjacf6hg\" aria-controls=\"accordionjjacf6hg\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Healthcare benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Healthcare benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjjacf6hg\" role=\"region\" aria-labelledby=\"accordion-titlejjacf6hg\"><div class=\"collapse-inner\">\n<p>Healthcare benefits include coverage for:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Paramedical services\u2014covered practitioners and therapists (clinical psychologist, chiropractor, audiologist, massage therapist, dietician and more)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Semi-private or private hospital room<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Private-duty nursing services<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Medical supplies and services such as hearing aids, orthopedic shoes and custom orthotics<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Accidental dental coverage<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Eye exams and an optional vision care benefit<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Out-of-province\/country emergency medical travel insurance benefits<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlepc5elf62\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpc5elf62\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-pc5elf62\" aria-controls=\"accordionpc5elf62\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Dental benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Dental benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpc5elf62\" role=\"region\" aria-labelledby=\"accordion-titlepc5elf62\"><div class=\"collapse-inner\">\n<p>You have two options for offering dental benefits to employees:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Basic dental coverage only, which includes recall exams, scaling, x-rays, filings and more<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Or, basic dental coverage plus: orthodontic services and major restorative services such as inlays, crowns, veneers and dentures<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegopsiows\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongopsiows\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-gopsiows\" aria-controls=\"accordiongopsiows\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Spending accounts\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Spending accounts<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongopsiows\" role=\"region\" aria-labelledby=\"accordion-titlegopsiows\"><div class=\"collapse-inner\">\n<p>A Spending Account allows employers to offer additional choice and flexibility to their employees. Your company can allocate credits to employees each year, which they can use as they wish to pay for the cost of eligible health and dental or wellness-related expenses not covered by your company\u2019s regular benefits plan or by provincial health plans.<\/p>\n\n\n\n<p>There are two types of Spending Accounts employers can offer their employees:<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse5cab44d1\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse5cab44d1\" data-dig-id=\"LP-15105-5cab44d1\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Health Spending Account (HSA)\"><div>Health Spending Account (HSA)<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse5cab44d1\">\n\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n\n<p>Employees and their eligible dependents can use their HSA to pay for eligible health and dental expenses not reimbursed by their plan, such as:<\/p>\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n\n<li class=\"wp-block-rbc-list-item\">\n\n<p>Eye glasses, contact lenses, laser eye surgery, dental implants, orthodontics, etc.<\/p>\n\n<\/li>\n\n\n<li class=\"wp-block-rbc-list-item\">\n\n<p>Expenses due to deductibles or maximums that are outside of their regular plan coverage limits<\/p>\n\n<\/li>\n\n<\/ul>\n\n<\/div>\n\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse96989470\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse96989470\" data-dig-id=\"LP-15105-96989470\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Wellness Spending Account (WSA)\"><div>Wellness Spending Account (WSA)<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse96989470\">\n\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n\n<p>Employees can choose to use WSA for a wide range of services and items related to living a healthy lifestyle such as:<\/p>\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n\n<li class=\"wp-block-rbc-list-item\">\n\n<p>Fitness Equipment and Fitness Membership Fees<\/p>\n\n<\/li>\n\n\n<li class=\"wp-block-rbc-list-item\">\n\n<p>Sports Fees<\/p>\n\n<\/li>\n\n\n<li class=\"wp-block-rbc-list-item\">\n\n<p>Wellness and non-health professional services<\/p>\n\n<\/li>\n\n\n<li class=\"wp-block-rbc-list-item\">\n\n<p>Education and Personal Development<\/p>\n\n<\/li>\n\n\n<li class=\"wp-block-rbc-list-item\">\n\n<p>Family Care<\/p>\n\n<\/li>\n\n<\/ul>\n\n<\/div>\n\n<\/div><\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlexdugv0wl\" class=\"collapse-toggle collapsed\" data-target=\"#accordionxdugv0wl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-xdugv0wl\" aria-controls=\"accordionxdugv0wl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Survivor benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Survivor benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionxdugv0wl\" role=\"region\" aria-labelledby=\"accordion-titlexdugv0wl\"><div class=\"collapse-inner\">\n<p>The surviving spouse or dependents of a deceased employee receives up to two years of continued benefits, with no premiums to pay, or cost to the company.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlepeffq9vy\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpeffq9vy\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-peffq9vy\" aria-controls=\"accordionpeffq9vy\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Cost Plus\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Cost Plus<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpeffq9vy\" role=\"region\" aria-labelledby=\"accordion-titlepeffq9vy\"><div class=\"collapse-inner\">\n<p>Cost Plus provides the option to pay for an employee\u2019s unforeseen medical and dental expenses not covered under the plan.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleswbop5qi\" class=\"collapse-toggle collapsed\" data-target=\"#accordionswbop5qi\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-swbop5qi\" aria-controls=\"accordionswbop5qi\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Virtual primary care\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Virtual primary care<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionswbop5qi\" role=\"region\" aria-labelledby=\"accordion-titleswbop5qi\"><div class=\"collapse-inner\">\n<p>Maple is a telemedicine service that connects employees directly with a doctor who can treat them online so they can feel better faster and get back to their jobs quicker.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Standard coverage includes 4 visits per family annually, with access from 7am to midnight, seven days a week<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Premium coverage includes unlimited visits with 24-hour access, seven days a week<\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/plan-member\/maple-virtual-care\/\" data-dig-id=\"LP-15105-5450b187\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more about virtual primary care from RBC Insurance + Maple\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\">Learn more about virtual primary care from RBC Insurance + Maple<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleslal9q6j\" class=\"collapse-toggle collapsed\" data-target=\"#accordionslal9q6j\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-slal9q6j\" aria-controls=\"accordionslal9q6j\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Mental health support services\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Mental health support services<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionslal9q6j\" role=\"region\" aria-labelledby=\"accordion-titleslal9q6j\"><div class=\"collapse-inner\">\n<p>With a comprehensive range of options available, we can help guide plan members to the support that&#8217;s right for them, including digital wellness programs, virtual counselling services, in-person sessions in your community and more.<\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/plan-member\/mental-health-support\/\" data-dig-id=\"LP-15105-f393b64b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\">Learn more<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Group Critical Illness insurance<sup><a href=\"#legal-3\" data-dig-id=\"LP-15105-305bd375\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Coping with a critical illness while managing family and work obligations is challenging for an employee. Help your employees reduce the impact with an insurance plan that offers financial support, so they can focus on their recovery.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleycech88e\" class=\"collapse-toggle collapsed\" data-target=\"#accordionycech88e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-ycech88e\" aria-controls=\"accordionycech88e\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Covers most common critical illnesses\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Covers most common critical illnesses<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionycech88e\" role=\"region\" aria-labelledby=\"accordion-titleycech88e\"><div class=\"collapse-inner\">\n<p>Choose from two plans for your company, both of which cover the most common critical illnesses and ensure that your employees will be financially protected in the event of a diagnosis.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/group-critical-illness-insurance-plans\/\" target=\"_blank\" data-dig-id=\"LP-15105-3c210ae9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Essential Plan - 9 conditions covered\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Essential Plan &#8211; 9 conditions covered<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/group-critical-illness-insurance-plans\/\" target=\"_blank\" data-dig-id=\"LP-15105-19ee9742\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Comprehensive Plan - 19 conditions covered\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Comprehensive Plan &#8211; 19 conditions covered<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleafvjqll3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionafvjqll3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-afvjqll3\" aria-controls=\"accordionafvjqll3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quick payment on claims\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quick payment on claims<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionafvjqll3\" role=\"region\" aria-labelledby=\"accordion-titleafvjqll3\"><div class=\"collapse-inner\">\n<p>Your employee is provided a lump-sum cash benefit which they can use as needed for expenses associated with a covered critical illness, such as travel costs related to treatment, prescriptions, home care, or a long-term care facility.<\/p>\n\n\n\n<p>In addition, these other features help facilitate quick payment of claims upon diagnosis.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>No Benefit Waiting (Elimination) Period<\/strong> &#8211; There is no wait time between diagnosis and payment of benefits; payment is made as soon as diagnosis is given.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>No Survival Period<\/strong> &#8211; There is no set amount of time the insured remain alive after diagnosis in order for the benefit to paid.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlexpy2m0us\" class=\"collapse-toggle collapsed\" data-target=\"#accordionxpy2m0us\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-xpy2m0us\" aria-controls=\"accordionxpy2m0us\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Simple qualification for benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Simple qualification for benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionxpy2m0us\" role=\"region\" aria-labelledby=\"accordion-titlexpy2m0us\"><div class=\"collapse-inner\">\n<p>Upon enrolment in a critical illness plan, your employees won\u2019t be required to provide up-front personal health information and pre-existing conditions will be covered.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Guaranteed Issue Amount up to $75,000<\/strong> &#8211; The Guaranteed Issue amount, or the amount of insurance available without having to provide personal health information, applies to all group sizes.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>No Pre-Existing Condition Exclusion<\/strong> \u2013 Employees will receive benefits for a covered illness, regardless of whether they have a pre-existing condition.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6f4h8z9r\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6f4h8z9r\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-6f4h8z9r\" aria-controls=\"accordion6f4h8z9r\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Dependent children coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Dependent children coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6f4h8z9r\" role=\"region\" aria-labelledby=\"accordion-title6f4h8z9r\"><div class=\"collapse-inner\">\n<p>RBC Insurance offers 50% of the primary insured\u2019s benefit amount at no additional charge for all covered dependent children. There is no cap for the benefit dollar amount a covered child can receive.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlevt5nicxg\" class=\"collapse-toggle collapsed\" data-target=\"#accordionvt5nicxg\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-vt5nicxg\" aria-controls=\"accordionvt5nicxg\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Simple billing\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Simple billing<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionvt5nicxg\" role=\"region\" aria-labelledby=\"accordion-titlevt5nicxg\"><div class=\"collapse-inner\">\n<p>Critical illness insurance premiums are invoiced on the same statement as other insurance premiums, simplifying billing management.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlen29e7kpx\" class=\"collapse-toggle collapsed\" data-target=\"#accordionn29e7kpx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15105-n29e7kpx\" aria-controls=\"accordionn29e7kpx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Additional plan features\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Additional plan features<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionn29e7kpx\" role=\"region\" aria-labelledby=\"accordion-titlen29e7kpx\"><div class=\"collapse-inner\">\n<p>A number of additional coverages are available under critical illness insurance plans such as:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Multiple Illnesses \u2013 Employees may receive benefits for each critical illness covered under the plan as long as each diagnosis is separated by at least 90 days.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Non-invasive Cancers (Carcinoma in situ) \u2013 The insured is paid a benefit of 25% of the Guaranteed Issue Amount<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Cancer Recurrence \u2013 If a previously diagnosed cancer that was not paid under the current contract were to reoccur after the effective date, the claim would be paid as long as the insured has been symptom- and treatment-free for any consecutive 12 months.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Waiver of Premium &#8211; Premiums are waived if the insured becomes disabled during their critical illness period.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Optional Second Event Critical Illness Benefit and Second Evaluation Benefit Rider \u2013 this is a bundled offer that employers can add on plan for added protection at an additional cost.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>No Age Termination Option \u2013 While many critical illness insurance plans terminate at age 65 or 70, our plans include the option of no termination due to age.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Portability \u2013 Plan members can take the coverage with them if they leave the group plan.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Still have questions? <a href='#'>Contact us.<\/a><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-specialized-services-savings-and-support\">Specialized services, savings and support<\/h2>\n\n\n\n<p class=\"p-large\">We also offer a range of services, programs and discounts to support your business and employees:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-for-plan-administrators\">For plan administrators<\/h4>\n<\/div>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-icon\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Online administration<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>HR support for small business<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Employee Assistance Program &#8211; Management Resources<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/TypeTeam-Dynamics-DeviceDesktop-Full.svg\" alt=\"Illustration of a plan administrator connected to three different clients\" class=\"wp-image-24320\" style=\"object-fit:cover\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-for-plan-members-0\">For plan members<\/h4>\n<\/div>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-icon\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Employee Assistance Program<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>RBC Insurance Wellness Program<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Mental health support services<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Teladoc medical experts<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Medical Confidence<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Discount programs<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/TypeIdea-DeviceDesktop-Full.svg\" alt=\"Illustration of a Group Benefits plan member managing his plan on a laptop\" class=\"wp-image-24322\" style=\"object-fit:cover\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-want-to-know-more\">Want to know more?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Ask us how we can help you attract and keep happy employees.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"mailto:groupbenefitssolutions@rbc.com\" data-dig-id=\"LP-15105-eb31b791\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Email us-mailto:groupbenefitssolutions@rbc.com \">Email us<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\" get-your-free-quote \">or<\/p>\n\n\n\n<p class=\" get-your-free-quote \">Call <a href=\"tel:+18888229617\" data-dig-id=\"LP-15105-7a6ca464\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-822-9617\" class=\"rbc-link-format\">1-888-822-9617<\/a><\/p>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-15105-072336d9\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Learn how to navigate our Group Benefits Plan with the <a href=\"https:\/\/demo.rbcinsurance.com\/en\/home?utm_source=organic&amp;utm_medium=public-site&amp;utm_campaign=gbsolutions\" data-dig-id=\"LP-15105-974cbea6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance Demo Hub\" class=\"rbc-link-format\">RBC Insurance Demo Hub<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"607\" height=\"527\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/group-benefits_CTA.webp?quality=80\" alt=\"Employees reviewing their Group Benefits coverage\" class=\"wp-image-24892\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/group-benefits_CTA.webp 607w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/group-benefits_CTA.webp?resize=300,260 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/group-benefits_CTA.webp?resize=412,358 412w\" sizes=\"auto, (max-width: 607px) 100vw, 607px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-15105-cfb09024\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>All plan designs are subject to underwriting approval. Limitations and exclusions apply. Benefit features and maximums may vary based on group size.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>Basic ATP does not include ongoing assessment, claims management, and any return to work assistance.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>The Critical Illness Insurance is underwritten by Allstate Insurance Company of Canada (&#8220;Allstate Benefits&#8221;) and distributed by RBC Life Insurance Company. Claims under the group critical illness coverages are administered and paid by Allstate Benefits.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":179,"featured_media":0,"parent":15097,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15105","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Group Benefit Solutions | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Attract and keep happy employees with RBC Insurance Group Benefit Solutions, including group life, disability, health and dental insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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