{"id":23164,"date":"2025-03-25T09:03:09","date_gmt":"2025-03-25T13:03:09","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=23164"},"modified":"2025-10-16T13:49:20","modified_gmt":"2025-10-16T17:49:20","slug":"claims-service","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/claims-service\/","title":{"rendered":"Claims &amp; Service"},"content":{"rendered":"\n<p class=\"pad-t mob-pad-t pad-b-qtr mob-pad-b-qtr has-text-xs-font-size\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-claims-and-services\"><span class=\"partial__border-bottom\">Claims and services<\/span><\/h1>\n\n\n\n<div class=\"wp-block-rbc-document-search documentSearch mar-t mob-mar-t\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group documentSearch__info is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-access-claim-forms-print-them-off-and-submit-via-mail\">Access claim forms, print them off and submit via mail<\/h4>\n\n\n\n<p>Forms are provided in Adobe PDF format.<\/p>\n<\/div>\n\n\n\t\t<div class=\"wp-block-rbc-document-search-form documentSearchForm\">\n\t\t\t<div class=\"documentSearchForm__categories\">\n\t<span class=\"documentSearchForm__fieldLabel\">\n\t\tSelect a category\t<\/span>\n\t<div class=\"documentSearchForm__radioGroup buttonRadioGroup__comfortable\">\n\t\t\t\t\t<div class=\"buttonRadio\">\n    <label class=\"buttonRadio__label\">\n        <input class=\"buttonRadio__input\" type=\"radio\" value=\"136\" name=\"document_category\" \/>\n        <span class=\"buttonRadio__customRadio\">\n            <span class=\"buttonRadio__dot\"><\/span>\n        <\/span>\n        <span class=\"buttonRadio__text\">Health &amp; Dental<\/span>\n    <\/label>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"buttonRadio\">\n    <label class=\"buttonRadio__label\">\n        <input class=\"buttonRadio__input\" type=\"radio\" value=\"137\" name=\"document_category\" \/>\n        <span class=\"buttonRadio__customRadio\">\n            <span class=\"buttonRadio__dot\"><\/span>\n        <\/span>\n        <span class=\"buttonRadio__text\">Life, Accidental Death &amp; Dismemberment<\/span>\n    <\/label>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"buttonRadio\">\n    <label class=\"buttonRadio__label\">\n        <input class=\"buttonRadio__input\" type=\"radio\" value=\"138\" name=\"document_category\" \/>\n        <span class=\"buttonRadio__customRadio\">\n            <span class=\"buttonRadio__dot\"><\/span>\n        <\/span>\n        <span class=\"buttonRadio__text\">Disability<\/span>\n    <\/label>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"buttonRadio\">\n    <label class=\"buttonRadio__label\">\n        <input class=\"buttonRadio__input\" type=\"radio\" value=\"139\" name=\"document_category\" \/>\n        <span class=\"buttonRadio__customRadio\">\n            <span class=\"buttonRadio__dot\"><\/span>\n        <\/span>\n        <span class=\"buttonRadio__text\">Travel<\/span>\n    <\/label>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"buttonRadio\">\n    <label class=\"buttonRadio__label\">\n        <input class=\"buttonRadio__input\" type=\"radio\" value=\"140\" name=\"document_category\" \/>\n        <span class=\"buttonRadio__customRadio\">\n            <span class=\"buttonRadio__dot\"><\/span>\n        <\/span>\n        <span class=\"buttonRadio__text\">Critical Illness<\/span>\n    <\/label>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"buttonRadio\">\n    <label class=\"buttonRadio__label\">\n        <input class=\"buttonRadio__input\" type=\"radio\" value=\"159\" name=\"document_category\" \/>\n        <span class=\"buttonRadio__customRadio\">\n            <span class=\"buttonRadio__dot\"><\/span>\n        <\/span>\n        <span class=\"buttonRadio__text\">Newcomer Health Plan<\/span>\n    <\/label>\n<\/div>\n\t\t\t\t\t\t<\/div>\n<\/div>\n\t<div class=\"documentSearchForm__documentSelect\">\n\t\t<span class=\"documentSearchForm__fieldLabel\">\n\t\t\tSelect your form or document\t\t<\/span>\n\t\t<div class=\"documentSearchForm__selectGroup\">\n\t\t\t\t\t\t\t\t<div class=\"documentSearchForm__select documentSearchForm__select__136\">\n\t\t\t\t\t\t\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__comfortable   \" \t\t\tdata-option_name=\"\" style=\"width:280px\">\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=\"Select an option\">\n\t\t\t\t\tSelect an option\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 \"\n\t\t\t\t\t\tdata-option_value=\"23858\"\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\tAuthorization Form for Custom Braces\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=\"23784\"\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\tAuthorization Form for In-Home Support Services of an RN RNA\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=\"23872\"\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\tAuthorization Form for Oxygen Equipment and Supplies\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=\"23874\"\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\tAuthorization Form for Post-Cataract Surgery and Prosthetic Eye Wear\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=\"23895\"\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\tAuthorization Form for Prosthetic Appliances and Durable Medical Equipment\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=\"23940\"\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\tDental Accident Report Form\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=\"23941\"\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\tGeneral Claim Submission\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\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"documentSearchForm__select documentSearchForm__select__137\">\n\t\t\t\t\t\t\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__comfortable   \" \t\t\tdata-option_name=\"\" style=\"width:280px\">\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=\"Select an option\">\n\t\t\t\t\tSelect an option\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 \"\n\t\t\t\t\t\tdata-option_value=\"23958\"\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\/Accidental Death Notice of Claim\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=\"23961\"\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\tLoss of Use \/ Dismemberment Notice of Claim\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\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"documentSearchForm__select documentSearchForm__select__138\">\n\t\t\t\t\t\t\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__comfortable   \" \t\t\tdata-option_name=\"\" style=\"width:280px\">\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=\"Select an option\">\n\t\t\t\t\tSelect an option\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 \"\n\t\t\t\t\t\tdata-option_value=\"23977\"\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\tClient&#8217;s Supplementary Statement\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=\"31384\"\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\tLong Term Disability Claim Form &#8211; Physicians Statement\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=\"23972\"\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\tLong Term Disability Group Claim Form &#8211; Client&#8217;s Statement\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=\"23973\"\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\tLong Term Disability Group Claim Form &#8211; Employer Statement\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=\"23969\"\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\tShort Term Disability Claim Form &#8211; Client&#8217;s Statement\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=\"23970\"\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\tShort Term Disability Claim Form &#8211; Employer Statement\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=\"23971\"\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\tShort Term Disability Claim Form &#8211; Physician Statement\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=\"23978\"\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\tSpouse Disability Notice of Claim\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\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"documentSearchForm__select documentSearchForm__select__139\">\n\t\t\t\t\t\t\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__comfortable   \" \t\t\tdata-option_name=\"\" style=\"width:280px\">\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=\"Select an option\">\n\t\t\t\t\tSelect an option\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 \"\n\t\t\t\t\t\tdata-option_value=\"23979\"\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\tTravel Confirmation of Coverage Letter\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=\"23980\"\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\tTravel Insurance Claim Forms\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\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"documentSearchForm__select documentSearchForm__select__140\">\n\t\t\t\t\t\t\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__comfortable   \" \t\t\tdata-option_name=\"\" style=\"width:280px\">\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=\"Select an option\">\n\t\t\t\t\tSelect an option\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 \"\n\t\t\t\t\t\tdata-option_value=\"23981\"\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\tClaim Form\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=\"23983\"\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\tRequest to Exercise Portability Privilege\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\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"documentSearchForm__select documentSearchForm__select__159\">\n\t\t\t\t\t\t\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__comfortable   \" \t\t\tdata-option_name=\"\" style=\"width:280px\">\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=\"Select an option\">\n\t\t\t\t\tSelect an option\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 \"\n\t\t\t\t\t\tdata-option_value=\"29940\"\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\tNewcomer Health Plan\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\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t<div class=\"documentSearchForm__formDataGroup\">\n\t\t<div class=\"documentSearchForm__formData documentSearchForm__formData__23941\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717153.pdf\" target=\"_blank\" data-dig-id=\"LP-23941-b0f905b0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"General Claim Submission\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">General Claim Submission<\/a><\/p>\n\n\n\n<p>Complete this form for all general claims. Detailed instructions for eligible expenses are included on the form.<\/p>\n\n\n\n<p>Send the completed form to the appropriate address listed on the form.<\/p>\n\n\n\n<p><strong>Online Claims Submission<\/strong><\/p>\n\n\n\n<p>Some claims can be submitted online. To find out more, sign in to the <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" data-dig-id=\"LP-23941-511018ad\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Online Group Benefit Solutions\" class=\"rbc-link-format\">Online Group Benefit Solutions<\/a> service for a full list of eligible expenses.<\/p>\n\n\n\n<p><strong>Note:<\/strong> You can also check your eligibility for some benefits and access pre-populated forms through the Online Group Benefit Solutions service for Plan Members.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23940\">\n\t\n<p><br><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-736940.pdf\" target=\"_blank\" data-dig-id=\"LP-23940-99a2faf7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Dental Accident Report Form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Dental Accident Report Form<\/a><\/p>\n\n\n\n<p><strong>Send the complete form along with a predetermination or any incurred claims to:<\/strong><br>RBC Life Insurance Company<br>P.O. BOX 1614 Windsor, Ontario N9A 0B9<\/p>\n\n\n\n<p>Please note x-rays are required.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23895\">\n\t\n<p><br><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717142.pdf\" target=\"_blank\" data-dig-id=\"LP-23895-1bf74948\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Authorization Form for Prosthetic Appliances and Durable Medical Equipment\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Authorization Form for Prosthetic Appliances and Durable Medical Equipment<\/a><\/p>\n\n\n\n<p>Complete this authorization form to request prior approval of claims for prosthetics.<\/p>\n\n\n\n<p>*Please note that the details requested on this form are mandatory and that a claim may be denied without prior authorization.<\/p>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company<br>Attention: EHS Department<br>P.O. Box 1610<br>Windsor, Ontario<br>N9A 0B7<\/p>\n\n\n\n<p>After reviewing your request, we will send you a response letter outlining your eligibility as soon as possible.<\/p>\n\n\n\n<p><strong>Note:<\/strong> This form is available, pre-filled with your personal details, within our <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" data-dig-id=\"LP-23895-c2001f22\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Online Group Benefit Solutions\" class=\"rbc-link-format\">Online Group Benefit Solutions<\/a> service for Plan Members.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23874\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717144.pdf\" target=\"_blank\" data-dig-id=\"LP-23874-2e6dbd27\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Authorization Form for Post-Cataract Surgery and Prosthetic Eye Wear\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Authorization Form for Post-Cataract Surgery and Prosthetic Eye Wear<\/a><\/p>\n\n\n\n<p>Complete this authorization form to request prior approval of claims for post-cataract surgery and prosthetic eye wear.<\/p>\n\n\n\n<p>*Please note that a claim may be denied without prior authorization.<\/p>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company<br>P.O. Box 1603<br>Windsor, Ontario<br>N9A 0B6<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23872\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717143.pdf\" target=\"_blank\" data-dig-id=\"LP-23872-80bd4fc4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Authorization Form for Oxygen Equipment and Supplies\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Authorization Form for Oxygen Equipment and Supplies<\/a><\/p>\n\n\n\n<p>Complete this authorization form to request prior approval of claims for oxygen equipment and supplies.<\/p>\n\n\n\n<p>*Please note that a claim may be denied without prior authorization.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company<br>Attention: EHS Department<br>P.O. Box 1610<br>Windsor, Ontario<br>N9A 0B7<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Note:<\/strong> This form is available, pre-filled with your personal details, within our <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" data-dig-id=\"LP-23872-17f189d8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Online Group Benefit Solutions\" class=\"rbc-link-format\">Online Group Benefit Solutions<\/a> service for Plan Members.<\/p>\n\n\n\n<p><\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23784\">\n\t\n<p><br><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-855189.pdf\" target=\"_blank\" data-dig-id=\"LP-23784-5af41d24\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Authorization Form for In-Home Support Services of an RN RNA\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Authorization Form for In-Home Support Services of an RN RNA<\/a><\/p>\n\n\n\n<p><strong>NOTE:<\/strong> To open this PDF, you will need to copy the PDF link and paste it into the Open File dialogue box in Adobe.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Complete this authorization form to request prior approval of claims for in-home support services.<\/p>\n\n\n\n<p>*Please note that the details requested on this form are mandatory and that a claim may be denied without prior authorization.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company<br>Attention: EHS Department<br>P.O. Box 1613<br>Windsor, Ontario<br>N9A 0B6<\/p>\n\n\n\n<p><strong>Fax:<\/strong> 1-855-612-3031<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23858\">\n\t\n<p><br><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717145.pdf\" target=\"_blank\" data-dig-id=\"LP-23858-be2aaba5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Authorization Form for Custom Braces\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Authorization Form for Custom Braces<\/a><\/p>\n\n\n\n<p>Complete this authorization form to request prior approval of claims for custom braces.<\/p>\n\n\n\n<p>*Please note that the details requested on this form are mandatory and that a claim may be denied without prior authorization.<\/p>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company<br>Attention: EHS Department<br>P.O. Box 1610<br>Windsor, Ontario<br>N9A 0B7<\/p>\n\n\n\n<p>After reviewing your request, we will send you a response letter outlining your eligibility as soon as possible.<\/p>\n\n\n\n<p><strong>Note:<\/strong> This form is available, pre-filled with your personal details, within our <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" data-dig-id=\"LP-23858-9eda50bb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Online Group Benefit Solutions\" class=\"rbc-link-format\">Online Group Benefit Solutions<\/a> service for Plan Members.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23961\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717692.pdf\" target=\"_blank\" data-dig-id=\"LP-23961-21974688\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Loss of Use \/ Dismemberment Notice of Claim\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Loss of Use \/ Dismemberment Notice of Claim<\/a><\/p>\n\n\n\n<p>When an insured individual is making a claim for dismemberment, loss of use, loss of sight, etc., he or she will need to complete the appropriate sections of this form.<\/p>\n\n\n\n<p><strong>Note:<\/strong> The form also includes sections that must be completed by the insured individual\u2019s employer and physician.<\/p>\n\n\n\n<p><strong>Please follow these steps to complete and submit this form:<\/strong><\/p>\n\n\n\n<p><strong>Employee Instructions:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>1. Complete the Claimant\u2019s\/Employee\u2019s Statement section within this form and return to your employer.<\/li>\n\n\n\n<li>2. Complete and sign the Authorization section on the Attending Physician\u2019s Statement, and send this form to your treating physician for completion. The form can be returned directly to RBC Insurance once completed.<\/li>\n<\/ul>\n\n\n\n<p><strong>Employer Instructions:<\/strong><\/p>\n\n\n\n<p>Complete the following sections within this form:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Employer\u2019s Statement<\/li>\n\n\n\n<li>Claimant\u2019s\/Employee\u2019s Statement<\/li>\n\n\n\n<li>The original enrolment form<\/li>\n<\/ul>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company, Life &amp; Health Claims Department<br>P.O.Box 4435, Station A<br>Toronto, Ontario<br>M5W 5Y8<\/p>\n\n\n\n<p><strong>Or Fax to:<\/strong><br>1-800-714-8861<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23958\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717594.pdf\" target=\"_blank\" data-dig-id=\"LP-23958-b06e331b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Group Life\/Accidental Death Notice of Claim\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Group Life\/Accidental Death Notice of Claim<\/a><\/p>\n\n\n\n<p>When a beneficiary is making a life or accidental death claim on behalf of a deceased and insured individual, the beneficiary, the deceased\u2019s employer and the deceased\u2019s physician must complete the appropriate sections of this form.<\/p>\n\n\n\n<p><strong>Please follow these steps to complete and submit this form:<\/strong><\/p>\n\n\n\n<p><strong>Beneficiary Instructions<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Complete the claimant section of the form.<\/li>\n\n\n\n<li>Return the form to the insured\u2019s employer for completion.<\/li>\n<\/ol>\n\n\n\n<p><strong>Instructions for the Employer of the Insured<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Complete the employer section and sends all forms, along with original enrolment form and any change of beneficiary form(s) to RBC Insurance.<\/li>\n<\/ol>\n\n\n\n<p><strong>Mail the completed form(s) to:<\/strong><br>RBC Life Insurance Company, Life &amp; Health Claims Department<br>P.O.Box 4435, Station A<br>Toronto, Ontario<br>M5W 5Y8<\/p>\n\n\n\n<p><strong>Or Fax to:<\/strong><br>1-800-714-8861<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__31384\">\n\t\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/page\/02A87E24F02B6A5C8525821000567ED2%21OpenDocument\" target=\"_blank\" data-dig-id=\"LP-31384-348a7006\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Long Term Disability Claim Form \u2013 Physician Statement\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Long Term Disability Claim Form \u2013 Physicians Statement<\/a><\/p>\n\n\n\n<p>Choose the Form: Initial Disability Insurance Medical Statement.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23978\">\n\t\n<p><br><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717596.pdf\" target=\"_blank\" data-dig-id=\"LP-23978-71627b5c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Spouse Disability Notice of Claim\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Spouse Disability Notice of Claim<\/a><\/p>\n\n\n\n<p>When submitting a spousal disability claim, your spouse will need to complete this statement.<\/p>\n\n\n\n<p><strong>Note:<\/strong> The form also includes sections that must be completed by your employer and the treating physician.<\/p>\n\n\n\n<p><strong>Please follow these steps to complete and submit this form:<\/strong><\/p>\n\n\n\n<p><strong>Claimant Instructions:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Ensure that the Employer\u2019s Statement is completed.<\/li>\n\n\n\n<li>Complete the Spouse\u2019s Statement and return along with the Employer\u2019s Statement to RBC Insurance.<\/li>\n\n\n\n<li>Send the Attending Physician\u2019s Statement to the treating physician and have this for returned to RBC Insurance.<\/li>\n<\/ol>\n\n\n\n<p><strong>Employer Instructions:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Complete the Employer\u2019s Statement and attach Proof of Enrolment.<\/li>\n\n\n\n<li>Send this form along with the Spouse\u2019s Statement and the Attending Physician\u2019s Statement to the claimant.<\/li>\n<\/ol>\n\n\n\n<p><strong>Mail the completed form(s) to:<\/strong><br>RBC Life Insurance Company, Life &amp; Health Claims Department<br>P.O.Box 4435, Station A<br>Toronto, Ontario<br>M5W 5Y8<\/p>\n\n\n\n<p><strong>Or Fax to:<\/strong><br>1-800-714-8861<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23977\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717590.pdf\" target=\"_blank\" data-dig-id=\"LP-23977-3c1082b4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Client's Supplementary Statement\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Client&#8217;s Supplementary Statement<\/a><\/p>\n\n\n\n<p>Your employer must complete this form if you are making a disability claim.<\/p>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company, Life &amp; Health Claims Department<br>P.O.Box 4435, Station A<br>Toronto, Ontario<br>M5W 5Y8<\/p>\n\n\n\n<p><strong>Or Fax to:<\/strong><br>1-800-714-8861<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23973\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717592.pdf\" data-dig-id=\"LP-23973-57f2050a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Long Term Disability Group Claim Form - Employer Statement\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\">Long Term Disability Group Claim Form &#8211; Employer Statement<\/a><\/p>\n\n\n\n<p>Your employer must complete this form if you are making a disability claim.<\/p>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company, Life &amp; Health Claims Department<br>P.O.Box 4435, Station A<br>Toronto, Ontario<br>M5W 5Y8<\/p>\n\n\n\n<p><strong>Or Fax to:<\/strong><br>1-800-714-8861<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23972\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717593.pdf\" target=\"_blank\" data-dig-id=\"LP-23972-0f808811\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Long Term Disability Group Claim Form \u2013 Client\u2019s Statement\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Long Term Disability Group Claim Form \u2013 Client\u2019s Statement<\/a><\/p>\n\n\n\n<p>Your employer must complete this form if you are making a disability claim.<\/p>\n\n\n\n<p><strong>Mail the completed form to:<\/strong><br>RBC Life Insurance Company, Life &amp; Health Claims Department<br>P.O.Box 4435, Station A<br>Toronto, Ontario<br>M5W 5Y8<\/p>\n\n\n\n<p><strong>Or Fax to:<\/strong><br>1-800-714-8861<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23971\">\n\t\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/page\/02A87E24F02B6A5C8525821000567ED2%21OpenDocument\" target=\"_blank\" data-dig-id=\"LP-23971-e6ea2aca\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Short Term Disability Claim Form \u2013 Physician Statement\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Short Term Disability Claim Form \u2013 Physician Statement<\/a><\/p>\n\n\n\n<p>Choose the Form: Attending Physician&#8217;s Statement Short-term Disability.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23970\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/pdf\/group-benefits\/forms\/128195-std-claim-form-employer-statement-en.pdf\" target=\"_blank\" data-dig-id=\"LP-23970-b370a7d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Short Term Disability Claim Form \u2013 Employer Statement\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Short Term D<\/a><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/pdf\/group-benefits\/forms\/128195-std-claim-form-employer-statement-en.pdf\" target=\"_blank\" data-dig-id=\"LP-23970-b370a7d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Short Term Disability Claim Form \u2013 Employer Statement\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">isability Claim Form \u2013 Employer Statement<\/a><\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23969\">\n\t\n<p><br><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717597.pdf\" target=\"_blank\" data-dig-id=\"LP-23969-facf5527\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Short Term Disability Claim Form - Client's Statement\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Short Term Disability Claim Form &#8211; Client&#8217;s Statement<\/a><\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23980\">\n\t\n<p>For all travel insurance inquiries or claim forms, please contact Allianz Global Assistance:<\/p>\n\n\n\n<p><strong>Visit:<\/strong> <a href=\"https:\/\/allianzassistanceclaims.ca\/p\/rbc\" target=\"_blank\" rel=\"noreferrer noopener\">Online Travel Insurance Claims Site<\/a><\/p>\n\n\n\n<p>or<\/p>\n\n\n\n<p><strong>Call:<\/strong><\/p>\n\n\n\n<p>Assistance<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>1 855-603-5571 (Canada and USA)<\/li>\n\n\n\n<li>905-608-8251 (collect from anywhere)<\/li>\n<\/ul>\n\n\n\n<p><strong>Claims:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>1 855-603-5574 (Canada and USA)<\/li>\n\n\n\n<li>905-608-8254 (collect from anywhere)<\/li>\n<\/ul>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23979\">\n\t\n<p><br><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-869227.pdf\" target=\"_blank\" data-dig-id=\"LP-23979-4fbf368d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Travel Confirmation of Coverage Letter\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Travel Confirmation of Coverage Letter<\/a><\/p>\n\n\n\n<p>Prior to travelling, review your Employee Benefits Booklet to understand what your benefits cover. Take this letter along with your RBC Insurance ID card with you when you travel to countries requiring proof of coverage. Please call 1-855-264-2174 if you require a personalized detailed letter.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23983\">\n\t\n<p><br><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/pdf\/group-benefits\/forms\/group-ci-portability-request-en.pdf\" data-dig-id=\"LP-23983-3d663d7f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Request to Exercise Portability Privilege\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\">Request to Exercise Portability Privilege<\/a><\/p>\n\n\n\n<p><strong>NOTE:<\/strong> To open this PDF, you will need to copy the PDF link and paste it into the Open File dialogue box in Adobe.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__23981\">\n\t\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/pdf\/group-benefits\/forms\/group-ci-claim-form-en.pdf\" data-dig-id=\"LP-23981-bd307b15\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Claim form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\">Claim form<\/a><\/p>\n\n\n\n<p>Form\/document instructions:<\/p>\n\n\n\n<p><strong>NOTE:<\/strong> To open this PDF, you will need to copy the PDF link and paste it into the Open File dialogue box in Adobe.<\/p>\n<\/div>\n<div class=\"documentSearchForm__formData documentSearchForm__formData__29940\">\n\t\n<p>Claims under your Newcomer Health Plan Coverage are managed by Cowan.<br>Service providers on the Cowan Preferred Provider Network can bill directly to Cowan, however, a paper claim can be submitted if a member has paid for eligible services.<\/p>\n\n\n\n<p>Email: <a href=\"mailto:clients@cowangroup.ca\" class=\"rbc-link-format\">clients@cowangroup.ca<\/a><\/p>\n\n\n\n<p>Call: 1-888-509-7797<br>Fax: 613-741-7771<\/p>\n\n\n\n<p><\/p>\n<\/div>\n\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n<p class=\"documentSearch__note\">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.<\/p>\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\/document-illo.svg\" alt=\"Illustration of a claims document\" class=\"wp-image-24194\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-document-search documentSearch mar-t mob-mar-t\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group documentSearch__info is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-submit-health-or-dental-claim-forms-digitally\">Submit Health or Dental Claim Forms Digitally<\/h4>\n\n\n\n<p>You can also submit all your health and dental claims through the My Benefits app or through Online Insurance.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button  is-style-primary primary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" data-dig-id=\"LP-29916-76946b0a\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Sign in-https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en \">Sign in<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"mob-mar-l mar-l\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/my-benefits\/\" target=\"_blank\" data-dig-id=\"LP-23164-ee87f9cb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How to download the app\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">How to download the app<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper menuItems__dropdown faqWrapper\"><div class=\"faqWrapper__header\"><h2>How to make a claim<\/h2><p class=\"p-large\"><span class=\"partial__border-bottom\">Our solutions make it easy to quickly take care of all your plan administration tasks<\/span>.<\/p><\/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=\"Extended Health &amp; Dental Claims\">\n\t\t\t\t\tExtended Health &amp; Dental Claims\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\tExtended Health &amp; Dental Claims\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\tTravel Claims\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\tShort Term Disability\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\tLong Term Disability\/GSI\/Life Waiver of Premium\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=\"4\"\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\tLife Insurance\/Accidental Death Claims\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=\"5\"\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\tLoss of Use\/Dismemberment\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=\"6\"\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\tCritical Illness Insurance Claims\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=\"7\"\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\tNewcomer Health Plan\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\">Extended Health &amp; Dental Claims<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Travel Claims<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Short Term Disability<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Long Term Disability\/GSI\/Life Waiver of Premium<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Life Insurance\/Accidental Death Claims<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Loss of Use\/Dismemberment<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Critical Illness Insurance Claims<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Newcomer Health Plan<\/div><\/div><p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/silver.rbcinsurance.com\/cgi-bin\/gbrf\/form.cgi\" data-dig-id=\"LP-23164-89e48eb4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us.\" class=\"rbc-link-format\">Contact us.<\/a><\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Extended Health &amp; Dental Claims<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Depending on the type of claim, you may be able to file online, from your smartphone, or have your service provider file electronically for you (check with your provider).<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<div class=\"wp-block-group is-style-inline-blocks mar-b-qtr is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\" mar-r-qtr\">Sign in to <a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" data-dig-id=\"LP-23164-e325feb4\" data-dig-label=\"Online Insurance\" data-dig-action=\"link click\" data-dig-category=\"LP\">Online Insurance<\/a>. By selecting&nbsp;<strong>Submit Claim<\/strong>&nbsp;and navigating to the&nbsp;<strong>Health\/Dental<\/strong>&nbsp;option on the Home Page, you will be able to submit a health and dental claim electronically.<\/p>\n<\/div>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Sign in to the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/my-benefits\/\" data-dig-id=\"LP-23164-08fcd63f\" data-dig-label=\"My Benefits app\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">My Benefits app<\/a> and and select \u2018Submit a Claim\u2019.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You can also <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/plan-member\/#download\" data-dig-id=\"LP-23164-871e7691\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"access printable Health and Dental Claim forms\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\">access printable Health and Dental Claim forms<\/a><\/p>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"mar-t mob-mar-t mar-b-hlf mob-mar-b-hlf\">Health and Dental Claim Tips:<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title23mb1r94\" class=\"collapse-toggle collapsed\" data-target=\"#accordion23mb1r94\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-0b3cd32e\" aria-controls=\"accordion23mb1r94\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Confirm coverage with a mock claim\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Confirm coverage with a mock claim<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion23mb1r94\" role=\"region\" aria-labelledby=\"accordion-title23mb1r94\"><div class=\"collapse-inner\">\n<p>Before making a claim, you can view your eligibility or submit a \u201cmock\u201d claim to confirm your coverage, how much will be paid and any limits or conditions under your plan. There are two ways to do this:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Sign in to <a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" data-dig-id=\"LP-23164-e325feb4\" data-dig-label=\"Online Insurance\" data-dig-action=\"link click\" data-dig-category=\"LP\">Online Insurance<\/a>. On the Policy Summary page, select Submit Claims, then Manage Health Benefits.<\/li>\n\n\n\n<li>Sign in to the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/my-benefits\/\" data-dig-id=\"LP-23164-08fcd63f\" data-dig-label=\"My Benefits app\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">My Benefits app<\/a> and and select \u2018My Coverage\u2019.<\/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-title0ej6vnjn\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0ej6vnjn\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-7245544f\" aria-controls=\"accordion0ej6vnjn\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Coordinate Health &amp; Dental benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Coordinate Health &amp; Dental benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0ej6vnjn\" role=\"region\" aria-labelledby=\"accordion-title0ej6vnjn\"><div class=\"collapse-inner\">\n<p>If you or your dependents are covered under more than one benefit plan (for example, your spouse&#8217;s plan), you can claim up to 100% of an eligible expense by coordinating your benefits under both plans.<\/p>\n\n\n\n<p>How to coordinate your benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Submit your claim under your plan first, and send any remaining balance to your spouse\u2019s plan.<\/li>\n\n\n\n<li>Your spouse&#8217;s claims should go to his or her plan first, with any remaining balance sent to your plan.<\/li>\n\n\n\n<li>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&#8217;s birthday is in March, you should submit your child\u2019s claims to your plan first.<\/li>\n\n\n\n<li>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.<\/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-title46clnmes\" class=\"collapse-toggle collapsed\" data-target=\"#accordion46clnmes\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-fb3f54e6\" aria-controls=\"accordion46clnmes\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Get pre-authorization first\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Get pre-authorization first<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion46clnmes\" role=\"region\" aria-labelledby=\"accordion-title46clnmes\"><div class=\"collapse-inner\">\n<p>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\u2019t covered.<\/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-titlemetrqped\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmetrqped\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-fb709ce7\" aria-controls=\"accordionmetrqped\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Ask your provider to submit claims on your behalf\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Ask your provider to submit claims on your behalf<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmetrqped\" role=\"region\" aria-labelledby=\"accordion-titlemetrqped\"><div class=\"collapse-inner\">\n<p>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.<\/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-title7zl418fu\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7zl418fu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-aa97bf33\" aria-controls=\"accordion7zl418fu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Submit all forms as soon as possible.\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Submit all forms as soon as possible.<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7zl418fu\" role=\"region\" aria-labelledby=\"accordion-title7zl418fu\"><div class=\"collapse-inner\">\n<p>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\u2014or ask for more information\u2014within 10 business days. You will be provided with a status of your claim every 30 days until a decision is made.<\/p>\n\n\n\n<p>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.<\/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-titlesr0pgwr2\" class=\"collapse-toggle collapsed\" data-target=\"#accordionsr0pgwr2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-a8a0585e\" aria-controls=\"accordionsr0pgwr2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Ensure all forms are completed in full. Here\u2019s how:\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Ensure all forms are completed in full. Here\u2019s how:<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionsr0pgwr2\" role=\"region\" aria-labelledby=\"accordion-titlesr0pgwr2\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Complete the sections on the form that apply to you, and have your doctor complete the \u2018attending physician\u2019s\u2019 section of the form<\/li>\n\n\n\n<li>Be sure your doctor includes a specific diagnosis and indicates how your condition affects your ability to do your job<\/li>\n\n\n\n<li>Your doctor will also need to list all treatments you are receiving, including surgery, medications, physiotherapy, etc.<\/li>\n\n\n\n<li>Submit the form to your benefit administrator or human resources department so they can complete their section to confirm your absence<\/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-titlebk1jkngg\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbk1jkngg\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-f2144944\" aria-controls=\"accordionbk1jkngg\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Double-check claim forms\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Double-check claim forms<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbk1jkngg\" role=\"region\" aria-labelledby=\"accordion-titlebk1jkngg\"><div class=\"collapse-inner\">\n<p>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.<\/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-titlex11500c8\" class=\"collapse-toggle collapsed\" data-target=\"#accordionx11500c8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-285c0081\" aria-controls=\"accordionx11500c8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Keep your information current\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Keep your information current<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionx11500c8\" role=\"region\" aria-labelledby=\"accordion-titlex11500c8\"><div class=\"collapse-inner\">\n<p>Always keep your personal information up-to-date (bank account, address, etc.) You can make updates easily by <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" data-dig-id=\"LP-23164-79be6870\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"signing in\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\">signing in<\/a> to Online Insurance<\/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-titleznom0xhg\" class=\"collapse-toggle collapsed\" data-target=\"#accordionznom0xhg\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-a1be78fd\" aria-controls=\"accordionznom0xhg\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Ensure claim forms aren\u2019t fraudulent\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Ensure claim forms aren\u2019t fraudulent<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionznom0xhg\" role=\"region\" aria-labelledby=\"accordion-titleznom0xhg\"><div class=\"collapse-inner\">\n<p>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.<\/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>Travel Claims<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Please contact Allianz Global Assistance:<\/p>\n\n\n\n<p><strong>Visit:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><a href=\"https:\/\/allianzassistanceclaims.ca\/login\" data-dig-id=\"LP-23164-5fb4b882\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Online Travel Insurance Claims Site\" class=\"rbc-link-format\">Online Travel Insurance Claims Site<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Call:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>1-855-603-5571&nbsp;(in Canada or USA) or<\/li>\n\n\n\n<li>1-905-608-8251&nbsp;(collect from anywhere in the world).<\/li>\n<\/ul>\n\n\n\n<p>This toll-free call centre is available 24 hours a day, 365 days a year worldwide, and can help to ensure you get the care you need without incurring unnecessary out-of-pocket expenses.<\/p>\n\n\n\n<p>Your ID card also contains contact information in the event of an emergency. Prior to seeking medical treatment, it is important to call the number listed on your ID card as soon as possible.<\/p>\n\n\n\n<p><strong>Travel Tips:<\/strong><\/p>\n\n\n\n<p>Prior to travelling, review your Employee Benefits Booklet to understand what your benefits cover.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>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\u201424 hours a day, seven days a week.<\/li>\n\n\n\n<li>Call&nbsp;1-855-603-5571&nbsp;(in Canada or the U.S.) or&nbsp;1-905-608-8251&nbsp;(collect from anywhere in the world)<\/li>\n\n\n\n<li>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.<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Short Term Disability<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>To make a claim for short term disability, the following three forms must be completed in full and emailed to&nbsp;<a href=\"mailto:intake@rbc.com\">intake@rbc.com<\/a>.<\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>You (the employee) complete:&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717597.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Client\u2019s Statement<\/a><\/li>\n\n\n\n<li>Your employer completes:&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/pdf\/group-benefits\/forms\/128195-std-claim-form-employer-statement-en.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Employer\/Carrier Statement<\/a><\/li>\n\n\n\n<li>Your doctor completes:&nbsp;<a href=\"https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/page\/02A87E24F02B6A5C8525821000567ED2!OpenDocument\" target=\"_blank\" rel=\"noreferrer noopener\">Attending Physician\u2019s Statement<\/a>&nbsp;&#8211; Choose the Form: Attending Physician&#8217;s Statement Short-term Disability<\/li>\n<\/ol>\n\n\n\n<p>To help avoid delays, all forms should be completed in full and submitted to&nbsp;<a href=\"mailto:intake@rbc.com\">intake@rbc.com<\/a>&nbsp;as soon as possible.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlet73krj2a\" class=\"collapse-toggle collapsed\" data-target=\"#accordiont73krj2a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-73002eee\" aria-controls=\"accordiont73krj2a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Disability Claim Tips\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Disability Claim Tips<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiont73krj2a\" role=\"region\" aria-labelledby=\"accordion-titlet73krj2a\"><div class=\"collapse-inner\">\n<p>Dealing with a disability can be stressful. We\u2019re 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.<\/p>\n\n\n\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Make sure all required claim forms are completed and submitted as early as possible\u2014ideally at least 8 weeks prior to the end of the elimination period.<\/li>\n\n\n\n<li>While on claim, focus on your recovery and follow any treatment program that your physician recommends.<\/li>\n\n\n\n<li><br>Keep in touch with your disability claims specialist and your employer.<\/li>\n\n\n\n<li>See the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/claims-service\/#accordion2\">Disability Claim FAQs<\/a>&nbsp;below for additional guidance on what to expect throughout the claims process.<\/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>Long Term Disability\/GSI\/Life Waiver of Premium<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>To make a claim for long term disability or a stand-alone life waiver of premium, the Group Disability Claim Form must be completed in full and emailed to <a href=\"mailto:intake@rbc.com\" class=\"rbc-link-format\">intake@rbc.com<\/a>.<\/p>\n\n\n\n<p>Note that there are 2 statements to be completed:<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list default is-style-default-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You (the employee) complete:&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717593.pdf\" data-dig-id=\"LP-23164-0d319127\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Group Disability Claim Form \u2013 Employee Statement\" class=\"rbc-link-format standalone-pdf\" data-icon-class=\"standalone-pdf\">Group Disability Claim Form \u2013 Employee Statement<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your employer completes:&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717592.pdf\" data-dig-id=\"LP-23164-79fcc3e8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Group Disability Claim Form \u2013 Employer Statement\" class=\"rbc-link-format standalone-pdf\" data-icon-class=\"standalone-pdf\">Group Disability Claim Form \u2013 Employer Statement<\/a><\/p>\n\n\n\n<p>To help avoid delays, all forms should be completed&nbsp;<strong>at least 8 weeks before<\/strong>&nbsp;the end of the elimination period (i.e. the waiting period before benefits are paid).<\/p>\n<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleif065zmc\" class=\"collapse-toggle collapsed\" data-target=\"#accordionif065zmc\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-73002eee\" aria-controls=\"accordionif065zmc\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Disability Claim Tips\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Disability Claim Tips<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionif065zmc\" role=\"region\" aria-labelledby=\"accordion-titleif065zmc\"><div class=\"collapse-inner\">\n<p>Dealing with a disability can be stressful. We\u2019re 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.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Make sure all required claim forms are completed and submitted as early as possible\u2014ideally at least 8 weeks prior to the end of the elimination period.<\/li>\n\n\n\n<li>While on claim, focus on your recovery and follow any treatment program that your physician recommends.<br>Keep in touch with your disability claims specialist and your employer.<\/li>\n\n\n\n<li>While on claim, focus on your recovery and follow any treatment program that your physician recommends.<\/li>\n\n\n\n<li>See the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/claims-service\/#accordion2\">Disability Claim FAQs<\/a>&nbsp;below for additional guidance on what to expect throughout the claims process.<\/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>Life Insurance\/Accidental Death Claims<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>To make a life insurance or accidental death claim, the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717594.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Group Life\/Accidental Death Notice of Claim<\/a> must be completed in full and emailed to&nbsp;<a href=\"mailto:intake@rbc.com\">intake@rbc.com<\/a>.<\/p>\n\n\n\n<p>Note that there are 3 statements to be completed within the form:<\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>The employee\u2019s beneficiary completes: Client Statement<\/li>\n\n\n\n<li>The employer completes: Employer Statement<\/li>\n\n\n\n<li>The employee\u2019s doctor completes: Physician Statement (should be submitted for all accidental death claims and for all life claims in any amount)<\/li>\n<\/ol>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Understanding life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>To make a loss of use or dismemberment claim, the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717692.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Loss of Use\/Dismemberment Notice of Claim<\/a> must be completed in full and emailed to&nbsp;<a href=\"mailto:intake@rbc.com\">intake@rbc.com<\/a>.<\/p>\n\n\n\n<p>Note that there are 3 statements to be completed within the form:<\/p>\n\n\n\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>You (the employee) complete: Client Statement<\/li>\n\n\n\n<li>Your employer completes: Employer Statement<\/li>\n\n\n\n<li>Your doctor completes: Attending Physician Statement<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Critical Illness Insurance Claims<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Note, critical illness claims are managed through Allstate Insurance.<\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Complete the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/pdf\/group-benefits\/forms\/group-ci-claim-form-en.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Critical Illness Claim Form&nbsp;Opens PDF in new window<\/a><br>NOTE:&nbsp;<strong>Please download and save this form to your computer or device<\/strong>. Retrieve and open the saved copy in Adobe Reader to complete and submit it.<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Complete pages 1 and 2<\/li>\n\n\n\n<li>Your doctor must complete page 3: Attending Physician\u2019s Statement, Waiver of Premium and Physician Verification<\/li>\n<\/ul>\n\n\n\n<p>2. Submit the completed Claim Form to Allstate Benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Email:&nbsp;<a href=\"mailto:RBCI_CI_Claims@allstatevoluntary.ca\">RBCI_CI_Claims@allstatevoluntary.ca<\/a>&nbsp;or<\/li>\n\n\n\n<li>Fax: 1-844-436-1107 or,<\/li>\n\n\n\n<li>Mail: Group Claims<br>Allstate Benefits<br>PO Box 8100 Stn T<br>Ottawa, ON K1G 3H6<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Newcomer Health Plan<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Claims under your Newcomer Health Plan Coverage are managed by Cowan.<\/p>\n\n\n\n<p>Service providers on the Cowan Preferred Provider Network can bill directly to Cowan, however, a paper claim can be submitted if a member has paid for eligible services.<\/p>\n\n\n\n<p>Email: <a href=\"mailto:clients@cowangroup.ca\" class=\"rbc-link-format\">clients@cowangroup.ca<\/a><\/p>\n\n\n\n<p>Call: 1-888-509-7797<br>Fax: 613-741-7771<\/p>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/silver.rbcinsurance.com\/cgi-bin\/gbrf\/form.cgi\" data-dig-id=\"LP-23164-89e48eb4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us.\" class=\"rbc-link-format\">Contact us.<\/a><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\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-check-a-claim-s-status-or-get-help-with-a-claim\">Check a claim\u2019s status or get help with a claim<\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group 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:#EDF7FC\">\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-health-amp-dental\">Health &amp; Dental<\/h4>\n\n\n\n<p>Call:&nbsp;1-855-264-2174<\/p>\n\n\n\n<p>Email:&nbsp;<a href=\"mailto:healthanddentalclaims@groupinsurance.rbc.com\">healthanddentalclaims@groupinsurance.rbc.com<\/a><\/p>\n\n\n\n<p class=\"mar-t-hlf has-text-sm-font-size\">Monday to Friday: 8am to 8pm, ET<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\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-life-ad-amp-d-disability\">Life, AD&amp;D, Disability<\/h4>\n\n\n\n<p>Call:&nbsp;1-855-264-2174<\/p>\n\n\n\n<p>Email:&nbsp;<a href=\"mailto:claimservice@rbc.com\">claimservice@rbc.com<\/a><\/p>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf has-text-sm-font-size\">Monday to Friday: 8am to 8pm, ET<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group 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:#EDF7FC\">\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-travel-insurance\">Travel Insurance<\/h4>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Please contact Allianz Global Assistance:<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Call: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-b-hlf mob-mar-b-hlf\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">1-855-603-5574&nbsp;(Canada and USA) <\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>905-608-8254&nbsp;(collect from anywhere)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Visit:&nbsp;<a href=\"https:\/\/allianzassistanceclaims.ca\/p\/rbc\" target=\"_blank\" data-dig-id=\"LP-23164-ca082b98\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Online Travel Insurance Claims Site\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Online Travel Insurance Claims Site<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\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-critical-illness\">Critical Illness<\/h4>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Please contact Allstate Benefits for inquiries.<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Email:&nbsp;<a href=\"mailto:RBCI_CI_Claims@allstatevoluntary.ca\">RBCI_CI_Claims@allstatevoluntary.ca<\/a><\/p>\n\n\n\n<p>Call:&nbsp;1-844-436-1105&nbsp;(8am-8pm ET)<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\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<div class=\"wp-block-rbc-information-card informationCard mar-t mob-mar-t\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\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-newcomer-health-plan\">Newcomer Health Plan<\/h4>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Please contact Cowan for inquiries.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Call: 1-888-509-7797<\/li>\n\n\n\n<li>Email: <a href=\"mailto:clients@cowangroup.ca\" class=\"rbc-link-format\">clients@cowangroup.ca<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column mar-l-hlf mob-mar-l-hlf is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard mar-t mob-mar-t\" 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-understand-prescription-drug-costs-and-how-to-save-money-when-making-a-claim\">Understand prescription drug costs and how to save money when making a claim<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"get-your-free-quote-call\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/understanding-prescription-drug-receipts\/\" target=\"_blank\" data-dig-id=\"LP-23164-54b8c744\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Understanding Prescription Drug Receipts\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Understanding Prescription Drug Receipts<\/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\/understanding-prescription-drug-receipts-quebec\/\" target=\"_blank\" data-dig-id=\"LP-23164-ba91b6a6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Understanding Prescription Drug Receipts \u2013 Quebec\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Understanding Prescription Drug Receipts \u2013 Quebec<\/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\/save-money-with-generic-medication\/\" target=\"_blank\" data-dig-id=\"LP-23164-68324c9a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Save Money with Generic Medication\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Save Money with Generic Medication<\/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\/preferred-pharmacy-network\/\" target=\"_blank\" data-dig-id=\"LP-23164-20015bb0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Patient Support Program for Specialty Drugs\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Patient Support Program for Specialty Drugs<\/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\/understanding-prescription-drug-prior-authorization\/\" target=\"_blank\" data-dig-id=\"LP-23164-2515759e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Understanding Prescription Drug Prior Authorization\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Understanding Prescription Drug Prior Authorization<\/a><\/p>\n\n\n\n<p><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/financial-statements-200x200-1.svg?quality=80&amp;w=1024\" alt=\"illustration of a Policy Document\" class=\"wp-image-18505\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper menuItems__dropdown faqWrapper\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Frequently asked questions<\/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=\"General Claims\">\n\t\t\t\t\tGeneral Claims\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\tGeneral Claims\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\tDisability Claims\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\tHealth &amp; Dental Claims\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\tCritical Illness Claims\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=\"4\"\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\tNewcomer Health Plan\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\">General Claims<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Disability Claims<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Health &amp; Dental Claims<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Critical Illness Claims<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Newcomer Health Plan<\/div><\/div><p class=\"faqWrapper__helpText\">Don\u2019t see your question? Please contact your Plan Administrator or call us at <a href=\"tel:+18552642173\" data-dig-id=\"LP-23164-b949df2b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-855-264-2173\" class=\"rbc-link-format\">1-855-264-2173<\/a>.<\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>General Claims<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlequkz9e7y\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqukz9e7y\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-7126813c\" aria-controls=\"accordionqukz9e7y\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are receipts returned to me after my group benefits claims have been paid?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are receipts returned to me after my group benefits claims have been paid?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqukz9e7y\" role=\"region\" aria-labelledby=\"accordion-titlequkz9e7y\"><div class=\"collapse-inner\">\n<p>Instead of returning receipts to you, we will send you an Explanation of Benefits (EOB) statement, which includes information you may need for tax purposes (like the information on a receipt) as well as any deductibles, maximums, or co-payments applied to your claim payment.<\/p>\n\n\n\n<p>It\u2019s a good idea to make a copy of all receipts and forms for your records before submitting them to us for payment.<\/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-titlel373dxfi\" class=\"collapse-toggle collapsed\" data-target=\"#accordionl373dxfi\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-f0e7f35f\" aria-controls=\"accordionl373dxfi\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does RBC Insurance audit group benefits claims?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does RBC Insurance audit group benefits claims?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionl373dxfi\" role=\"region\" aria-labelledby=\"accordion-titlel373dxfi\"><div class=\"collapse-inner\">\n<p>We are committed to preventing insurance fraud. Audits on group benefits claims are conducted regularly to help guard against both intentional and unintentional misuse. Fraud increases plan costs for your employer, which puts your own coverage at risk. You may end up needing to pay increased premiums or lose certain benefits to cover these higher costs. Should you receive a claim audit questionnaire, please complete it promptly\u2014it helps us protect all of our plan members and their benefit plans from abuse. <a href=\"https:\/\/silver.rbcinsurance.com\/insurancefraud\/index.html\" data-dig-id=\"LP-23164-92626f83\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more about insurance fraud\" class=\"rbc-link-format\">Learn more about insurance fraud<\/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>Disability Claims<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>If you don\u2019t see your question below, please call us at 1-877-519-9501 or email <a href=\"mailto:claimservice@rbc.com\">claimservice@rbc.com<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0cqy90oh\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0cqy90oh\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-773c8a20\" aria-controls=\"accordion0cqy90oh\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When should I start the group disability claim process?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When should I start the group disability claim process?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0cqy90oh\" role=\"region\" aria-labelledby=\"accordion-title0cqy90oh\"><div class=\"collapse-inner\">\n<p>If you are going to be absent from work for an extended period of time and you anticipate that you will not be returning to work prior to the end of your elimination period (i.e. waiting period before benefits are paid), you should begin the claim process.<\/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-titleg62s0jiv\" class=\"collapse-toggle collapsed\" data-target=\"#accordiong62s0jiv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-72895ca9\" aria-controls=\"accordiong62s0jiv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What forms are required to start the group disability claims process?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What forms are required to start the group disability claims process?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiong62s0jiv\" role=\"region\" aria-labelledby=\"accordion-titleg62s0jiv\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717593.pdf\" target=\"_blank\" data-dig-id=\"LP-23164-f5c246f6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Client's Statement of Disability\" class=\"rbc-link-format standalone-pdf\" data-icon-class=\"standalone-pdf\" rel=\"noreferrer noopener\">Client&#8217;s Statement of Disability<\/a>: You will need to complete this form. Provide as much detail as possible about the circumstances that led to your absence from work. Be sure to sign the section that authorizes us to communicate directly with the doctors and specialists who are treating you.<\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/salesresourcecentre\/file-717592.pdf\" target=\"_blank\" data-dig-id=\"LP-23164-e8b112d6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Employer's Statement of Disability\" class=\"rbc-link-format standalone-pdf\" data-icon-class=\"standalone-pdf\" rel=\"noreferrer noopener\">Employer&#8217;s Statement of Disability<\/a>: Your employer must complete this form and submit it directly to RBC Insurance.<\/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-titlehimb36rt\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhimb36rt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-07d029d4\" aria-controls=\"accordionhimb36rt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I submit completed group disability claim forms?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I submit completed group disability claim forms?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhimb36rt\" role=\"region\" aria-labelledby=\"accordion-titlehimb36rt\"><div class=\"collapse-inner\">\n<p>There are three ways forms can be submitted:<\/p>\n\n\n\n<p>By email : <a href=\"mailto:intake@rbc.com\">intake@rbc.com<\/a><\/p>\n\n\n\n<p>By fax :      1-800-714-8861<\/p>\n\n\n\n<p>By mail :    RBC Life Insurance Company, Life &amp; Health Claims Department<\/p>\n\n\n\n<p class=\"mar-t-0 mob-mar-t-0\">                   P.O. Box 4435, Station A<br>                   Toronto, Ontario<br>                   M5W 5Y8<\/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-titleg4ko0qbl\" class=\"collapse-toggle collapsed\" data-target=\"#accordiong4ko0qbl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-515deb66\" aria-controls=\"accordiong4ko0qbl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens once my group disability claims forms are submitted?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens once my group disability claims forms are submitted?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiong4ko0qbl\" role=\"region\" aria-labelledby=\"accordion-titleg4ko0qbl\"><div class=\"collapse-inner\">\n<p>Once we have received all of your completed forms we will assign a disability claims specialist to your claim and begin our assessment. We will contact you for a telephone interview to answer any questions we have about your claim and to better understand your functional capabilities and limitations related to your condition. You will also be able to ask us questions about your claim.<\/p>\n\n\n\n<p>We may also need to contact your doctor and\/or your employer to ask additional questions or collect any missing information.<\/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-titleigso2tn3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionigso2tn3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-bee9b1e7\" aria-controls=\"accordionigso2tn3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When will I hear back about my group disability claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When will I hear back about my group disability claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionigso2tn3\" role=\"region\" aria-labelledby=\"accordion-titleigso2tn3\"><div class=\"collapse-inner\">\n<p>Our normal processing time to make a claim decision, from the time all forms are received to the completion of our initial review, is <strong>10 business days<\/strong>.<\/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-title7sfr4gfr\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7sfr4gfr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-33b8a9e1\" aria-controls=\"accordion7sfr4gfr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What does it mean if my group disability claim is 'pended&quot; for additional information?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What does it mean if my group disability claim is &#8216;pended&#8221; for additional information?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7sfr4gfr\" role=\"region\" aria-labelledby=\"accordion-title7sfr4gfr\"><div class=\"collapse-inner\">\n<p>If your claim is pended, this means we may need more information from you, your doctor or your employer. We will let you and your employer know (verbally and in writing) what we need to complete our assessment. We will facilitate any requests but it\u2019s also a good idea if you follow up with your doctor for any information we might need.<\/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-titlenxp3o0xe\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnxp3o0xe\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-88591cb2\" aria-controls=\"accordionnxp3o0xe\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I do anything to help the group disability claim decision process?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I do anything to help the group disability claim decision process?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnxp3o0xe\" role=\"region\" aria-labelledby=\"accordion-titlenxp3o0xe\"><div class=\"collapse-inner\">\n<p>Be sure to complete and submit your portion of the claim form right away. We also suggest that you follow up with your doctor to make sure the Attending Physician Statement and any additional information is submitted to us in a timely manner.<\/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-title0ogo39s9\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0ogo39s9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-7943b08b\" aria-controls=\"accordion0ogo39s9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens if my group disability claim is approved?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens if my group disability claim is approved?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0ogo39s9\" role=\"region\" aria-labelledby=\"accordion-title0ogo39s9\"><div class=\"collapse-inner\">\n<p>After your claim has been approved, we will call to notify you and your employer. We will also send you an approval letter confirming the decision and outlining the next steps and expectations for the ongoing management of your claim.<\/p>\n\n\n\n<p>You will be assigned a disability claims specialist who will call you on a regular basis to understand your medical status and ensure your recovery is progressing as expected. We may also ask that your doctor provide medical updates and we will work together to ensure you are receiving appropriate treatment. In some cases, we may ask you to have an independent medical examination to further clarify your medical situation. If this is required, we will arrange and pay for the examination.<\/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-titlerzzd3s97\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrzzd3s97\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-912c6732\" aria-controls=\"accordionrzzd3s97\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens if my group disability claim is not approved?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens if my group disability claim is not approved?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrzzd3s97\" role=\"region\" aria-labelledby=\"accordion-titlerzzd3s97\"><div class=\"collapse-inner\">\n<p>We will call to notify you and your employer. We will also send you a detailed letter clearly explaining why benefits cannot be paid and outlining the necessary steps to appeal our decision. If you disagree with our decision and wish to appeal, you will have 90 days from the date of the decision letter to submit your written request. Any appeal should include new information to support your request to reassess your claim.<\/p>\n\n\n\n<p>Examples of reasons why a claim may not be approved:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>The definition of disability was not met<\/li>\n\n\n\n<li>The claim is due to a pre-existing condition, that is, the disability occurred within a defined period of time of the coverage start date<\/li>\n\n\n\n<li>Care is not being provided by a physician<\/li>\n\n\n\n<li>The minimum hour requirement was not met to qualify for coverage<\/li>\n<\/ul>\n\n\n\n<p>Please review your group policy for full details of all terms of coverage, or speak with your disability claims specialist for more information.<\/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-title3m6uj4gk\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3m6uj4gk\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-950471db\" aria-controls=\"accordion3m6uj4gk\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Once approved, how and when are my group disability payments made?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Once approved, how and when are my group disability payments made?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3m6uj4gk\" role=\"region\" aria-labelledby=\"accordion-title3m6uj4gk\"><div class=\"collapse-inner\">\n<p>Your benefits are paid on a monthly basis and will start when the elimination period ends. If there are delays during the claim decision process and the benefits start date has passed, we will make a payment for benefits retroactively. You can choose to receive your benefits by cheque or direct deposit (recommended).<\/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-titlexyuv92us\" class=\"collapse-toggle collapsed\" data-target=\"#accordionxyuv92us\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-70dcd48c\" aria-controls=\"accordionxyuv92us\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How are my group benefits calculated?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How are my group benefits calculated?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionxyuv92us\" role=\"region\" aria-labelledby=\"accordion-titlexyuv92us\"><div class=\"collapse-inner\">\n<p>Your benefit is based on a percentage of your monthly earnings at the time you stopped working. It may be reduced by other sources of income as defined by your group policy. For example, if you are receiving any disability benefits under the Workers\u2019 Compensation Act or Canada\/Quebec Pension Plan (CPP\/QPP), these amounts may be subtracted from your disability payment.<br><\/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-titles62ftlnb\" class=\"collapse-toggle collapsed\" data-target=\"#accordions62ftlnb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-83261d6a\" aria-controls=\"accordions62ftlnb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will I receive tax slip for the group disability benefits that I receive?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will I receive tax slip for the group disability benefits that I receive?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordions62ftlnb\" role=\"region\" aria-labelledby=\"accordion-titles62ftlnb\"><div class=\"collapse-inner\">\n<p>You will only receive a tax slip if your benefits are taxable. If you are not sure if the disability benefits you receive are considered taxable income, we will advise you on your letter of approval. If they are taxable, we will issue a T4A slip and mail it to you by the end of February for benefits paid to you during the previous tax year.<\/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-titleg0gt9wh3\" class=\"collapse-toggle collapsed\" data-target=\"#accordiong0gt9wh3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-cd5c2680\" aria-controls=\"accordiong0gt9wh3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do group disability premiums still need to be paid when I am on claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do group disability premiums still need to be paid when I am on claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiong0gt9wh3\" role=\"region\" aria-labelledby=\"accordion-titleg0gt9wh3\"><div class=\"collapse-inner\">\n<p>No. Your group policy includes waiver of premium coverage, which means you do not have to pay premiums while receiving disability benefits.<\/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-titlei03l3ehp\" class=\"collapse-toggle collapsed\" data-target=\"#accordioni03l3ehp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-10606a44\" aria-controls=\"accordioni03l3ehp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long will I receive group disability benefits?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long will I receive group disability benefits?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioni03l3ehp\" role=\"region\" aria-labelledby=\"accordion-titlei03l3ehp\"><div class=\"collapse-inner\">\n<p>You will continue to receive payments as long as you:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Meet the definition of disability outlined in your group policy<\/li>\n\n\n\n<li>Satisfy other contractual requirements outlined in your group policy, such as complying with appropriate treatment or participating in a vocational rehabilitation program<\/li>\n<\/ul>\n\n\n\n<p>Please see your Employee Benefits Booklet or group policy for more information.<\/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-title6zgx0ed5\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6zgx0ed5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-1ff98867\" aria-controls=\"accordion6zgx0ed5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will income from other sources affect my group disability benefits?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will income from other sources affect my group disability benefits?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6zgx0ed5\" role=\"region\" aria-labelledby=\"accordion-title6zgx0ed5\"><div class=\"collapse-inner\">\n<p>While you can collect income from other sources\u2014such as Workplace Safety and Insurance Board (WSIB) benefits or Canada Pension Plan (CPP)\/Quebec Pension Plan (QPP) disability benefits\u2014your group disability benefits will be reduced by these amounts as outlined in your policy. Let us know as soon as you have been approved for any other benefits so that we can recalculate your benefits and avoid any overpayment.<\/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-titlefob1iiqs\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfob1iiqs\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-c3a873da\" aria-controls=\"accordionfob1iiqs\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do you share information about my group disability claim with my employer?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do you share information about my group disability claim with my employer?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfob1iiqs\" role=\"region\" aria-labelledby=\"accordion-titlefob1iiqs\"><div class=\"collapse-inner\">\n<p>Your privacy is very important to us. Any information we collect pertaining to your medical status\u2014including diagnosis, medication and treatment plans\u2014will not be shared with your employer unless we have signed consent from you to do so. Only the status of your claim, or when you are expected to return to work will be discussed with your employer.<\/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-titleafq8lko4\" class=\"collapse-toggle collapsed\" data-target=\"#accordionafq8lko4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-ad5f13aa\" aria-controls=\"accordionafq8lko4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are my responsibilities while I receive group disability benefits?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are my responsibilities while I receive group disability benefits?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionafq8lko4\" role=\"region\" aria-labelledby=\"accordion-titleafq8lko4\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Focus on your recovery and follow all treatment programs that your doctor recommends.<\/li>\n\n\n\n<li>Keep in touch with your disability claims specialist and let them know of any changes in your medical condition, how you are recovering, and if you are receiving income from other sources.<\/li>\n\n\n\n<li>Stay in touch with your employer.<\/li>\n<\/ul>\n\n\n\n<p>We will also talk to you about returning to work when the time is right, and may expect you to participate in a rehabilitation or return-to-work program.<\/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-titleq57zfk6m\" class=\"collapse-toggle collapsed\" data-target=\"#accordionq57zfk6m\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-9e3e7d97\" aria-controls=\"accordionq57zfk6m\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens if I am ready to return to work after a disability?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens if I am ready to return to work after a disability?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionq57zfk6m\" role=\"region\" aria-labelledby=\"accordion-titleq57zfk6m\"><div class=\"collapse-inner\">\n<p>If your medical condition improves and you are ready to return to work, please contact us.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>We will work with you, your employer and your doctor to develop a return-to work plan that accommodates any restrictions and limitations you may have.<\/li>\n\n\n\n<li>If more expertise is required, a vocational rehabilitation specialist may help with your return-to work plan.<\/li>\n\n\n\n<li>If you have been away from work for an extended period, we may recommend a graduated, modified or part-time return.<\/li>\n<\/ul>\n\n\n\n<p>Ultimately, you returning to work in a safe and sustainable manner is what matters most.<\/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-titlel3ob7jok\" class=\"collapse-toggle collapsed\" data-target=\"#accordionl3ob7jok\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-05f134ef\" aria-controls=\"accordionl3ob7jok\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I apply for CPP\/QPP disability benefits?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I apply for CPP\/QPP disability benefits?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionl3ob7jok\" role=\"region\" aria-labelledby=\"accordion-titlel3ob7jok\"><div class=\"collapse-inner\">\n<p>RBC Insurance will send you an application package for Canada Pension Plan (CPP)\/Quebec Pension Plan (QPP) disability benefits. Once you receive the application, call your disability claims specialist with any questions you have regarding completing the application and we will try to help with your questions. The complete application should be sent to <a href=\"http:\/\/www.servicecanada.gc.ca\/\" target=\"_blank\" data-dig-id=\"LP-23164-0e9f381c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Service Canada\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Service Canada<\/a>.<\/p>\n\n\n\n<p>We will also include authorization forms that should be completed and returned to RBC Insurance that permit Service Canada to communicate with us concerning your application, and also, permit Service Canada to send us the first payment so that an overpayment does not occur on your RBC Insurance claim. The letter will identify where each form should be sent.<\/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-titleaj3sr5y5\" class=\"collapse-toggle collapsed\" data-target=\"#accordionaj3sr5y5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-c71a82b1\" aria-controls=\"accordionaj3sr5y5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why should I apply CPP\/QPP disability benefits?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why should I apply CPP\/QPP disability benefits?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionaj3sr5y5\" role=\"region\" aria-labelledby=\"accordion-titleaj3sr5y5\"><div class=\"collapse-inner\">\n<p>It would be beneficial for you to apply for Canada Pension Plan (CPP)\/Quebec Pension Plan (QPP) disability benefits as the period during which you receive benefits from CPP\/QPP is included in CPP&#8217;s\/QPP\u2019s contributory period when retirement benefits are calculated. A period of disability not recognized by CPP could adversely affect your contributory period and the retirement benefit you may receive from CPP\/QPP could be reduced.<\/p>\n\n\n\n<p>As per the terms of your contract, if you do not apply for CPP\/QPP disability benefits, and pursue the relevant appeals if you are denied, RBC Insurance may deduct from your disability benefit an estimate of the amount that you would be entitled to receive as CPP\/QPP disability income payments if you had successfully applied.<\/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>Health &amp; Dental Claims<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledfqesjm8\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondfqesjm8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-0393fc60\" aria-controls=\"accordiondfqesjm8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I submit a health or a dental claim under my group benefits plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I submit a health or a dental claim under my group benefits plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondfqesjm8\" role=\"region\" aria-labelledby=\"accordion-titledfqesjm8\"><div class=\"collapse-inner\">\n<p>Depending on the type of claim, you may be able to file online, from your smartphone, or have your service provider file electronically on your behalf.<\/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-titleak84boae\" class=\"collapse-toggle collapsed\" data-target=\"#accordionak84boae\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-7e419844\" aria-controls=\"accordionak84boae\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I claim drug, health and dental expenses under both my plan and my spouse\/partner's benefit plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I claim drug, health and dental expenses under both my plan and my spouse\/partner&#8217;s benefit plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionak84boae\" role=\"region\" aria-labelledby=\"accordion-titleak84boae\"><div class=\"collapse-inner\">\n<p>Yes, if you or your dependents are covered under more than one benefit plan (for example, your spouse&#8217;s employee plan), you may be eligible to claim up to 100% of an eligible expense by coordinating your benefits under both plans. To coordinate your benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Submit your claim under your plan first, and send any remaining balance to your spouse\u2019s or partner\u2019s plan.<\/li>\n\n\n\n<li>Your spouse\/partner\u2019s claims should go to his or her plan first, with any remaining balance sent to your plan.<\/li>\n\n\n\n<li>Dependent children\u2019s claims should first be submitted to the plan of the parent whose birthday falls earlier in the year (e.g. if your birthday falls in January and your spouse&#8217;s birthday is in March, you should submit your child\u2019s claims to your plan first and then submit any remaining balance to your spouse\u2019s plan).<\/li>\n\n\n\n<li>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.<\/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-titlebol318ip\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbol318ip\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-abe10bae\" aria-controls=\"accordionbol318ip\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the deadline for submitting health and dental claims under my group benefits plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the deadline for submitting health and dental claims under my group benefits plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbol318ip\" role=\"region\" aria-labelledby=\"accordion-titlebol318ip\"><div class=\"collapse-inner\">\n<p>Unless your benefit plan documents state otherwise, all claims must be received by RBC Insurance no later than 12 months from the date the eligible expense was incurred.<\/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-titlehpzha1e7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhpzha1e7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-139a9258\" aria-controls=\"accordionhpzha1e7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I check the status of a medical or dental claim under my group benefits plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I check the status of a medical or dental claim under my group benefits plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhpzha1e7\" role=\"region\" aria-labelledby=\"accordion-titlehpzha1e7\"><div class=\"collapse-inner\">\n<p>Sign in to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" target=\"_blank\" data-dig-id=\"LP-23164-db2cc03b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Online Insurance\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Online Insurance<\/a>. By selecting <strong>More<\/strong> and navigating to the <strong>View Health\/Dental Claims<\/strong> option on the Home Page, you will able to check on the status of existing and past claims. This is also available through the <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/group-benefits\/my-benefits\/\" target=\"_blank\" data-dig-id=\"LP-23164-fa30abeb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance My Benefits app\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">RBC Insurance My Benefits app<\/a> on your smartphone.<\/p>\n\n\n\n<p>If you are enrolled in Online Insurance, and submitted a health and dental claim electronically, you will receive a notification sent to your communications email once the claim has been adjudicated.<\/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-titlemjdlhhlf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmjdlhhlf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-886338dc\" aria-controls=\"accordionmjdlhhlf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do RBC Insurance health and dental audits affect my claim submissions?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do RBC Insurance health and dental audits affect my claim submissions?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmjdlhhlf\" role=\"region\" aria-labelledby=\"accordion-titlemjdlhhlf\"><div class=\"collapse-inner\">\n<p>The RBC Insurance Online Health &amp; Dental Claims Centre monitors claims for early identification of fraudulent activity. If you are alerted of an audit, additional information will be required to support your claim. Use the upload feature to submit the required requested information<\/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>Critical Illness Claims<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemap19z4h\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmap19z4h\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-5bfca770\" aria-controls=\"accordionmap19z4h\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make a claim for critical illness insurance under my group benefits plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make a claim for critical illness insurance under my group benefits plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmap19z4h\" role=\"region\" aria-labelledby=\"accordion-titlemap19z4h\"><div class=\"collapse-inner\">\n<p>Claims under your Group Critical Illness coverage are administered and paid by Allstate Benefits. For support, please contact them by phone at 1-844-436-1105 or by e-mail at <a href=\"mailto:RBCI_CI_Claims@allstatevoluntary.ca\" class=\"rbc-link-format\">RBCI_CI_Claims@allstatevoluntary.ca<\/a>.<\/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-titlecy504dzs\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncy504dzs\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-c5867b28\" aria-controls=\"accordioncy504dzs\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What illnesses are covered under my group critical illness insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What illnesses are covered under my group critical illness insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncy504dzs\" role=\"region\" aria-labelledby=\"accordion-titlecy504dzs\"><div class=\"collapse-inner\">\n<p>Please refer to your Benefits Booklet to confirm which critical illnesses are covered under your company\u2019s 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-titlend5tagd8\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnd5tagd8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-c653a511\" aria-controls=\"accordionnd5tagd8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are my children covered under my critical illness insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are my children covered under my critical illness insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnd5tagd8\" role=\"region\" aria-labelledby=\"accordion-titlend5tagd8\"><div class=\"collapse-inner\">\n<p>Yes. RBC Insurance offers 50% of your benefit amount at no additional charge for all covered dependent children.<\/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-titleatrb4lr5\" class=\"collapse-toggle collapsed\" data-target=\"#accordionatrb4lr5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-99e93b05\" aria-controls=\"accordionatrb4lr5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens to my critical illness insurance if I leave my job or my job is terminated?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens to my critical illness insurance if I leave my job or my job is terminated?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionatrb4lr5\" role=\"region\" aria-labelledby=\"accordion-titleatrb4lr5\"><div class=\"collapse-inner\">\n<p>You have the option to transfer take your critical illness coverage with you them wherever they go \u2013 even if they leave the Group plan, the Master policy terminates, or their employment is terminated. For further details, please contact Allstate Benefits by phone at 1-844-436-1105 or by e-mail at <a href=\"mailto:admin@allstatevoluntary.ca\">admin@allstatevoluntary.ca<\/a>.<\/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-titleu39nrdeo\" class=\"collapse-toggle collapsed\" data-target=\"#accordionu39nrdeo\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-d663d52e\" aria-controls=\"accordionu39nrdeo\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are there any limits on the number of critical illnesses that can be covered?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are there any limits on the number of critical illnesses that can be covered?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionu39nrdeo\" role=\"region\" aria-labelledby=\"accordion-titleu39nrdeo\"><div class=\"collapse-inner\">\n<p>You may receive benefits for each critical illness covered under your plan as long as each instance is separated by at least 90 days.<\/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-titleeedvjlxf\" class=\"collapse-toggle collapsed\" data-target=\"#accordioneedvjlxf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-ed83c061\" aria-controls=\"accordioneedvjlxf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens if I die upon diagnosis?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens if I die upon diagnosis?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioneedvjlxf\" role=\"region\" aria-labelledby=\"accordion-titleeedvjlxf\"><div class=\"collapse-inner\">\n<p>If you die soon after diagnosis, the beneficiary you designated during enrolment can submit a claim form and supporting documentation for consideration. As long as your employer or administrator has your Designation of Beneficiary information on file, your beneficiary is eligible to receive any benefits you are due. There is no survival period, meaning there is no set amount of time you must remain alive aafter your diagnosis to be eligible to receive benefits.<\/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>Newcomer Health Plan<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegtv1tbbf\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongtv1tbbf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-0991c87d\" aria-controls=\"accordiongtv1tbbf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make a claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make a claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongtv1tbbf\" role=\"region\" aria-labelledby=\"accordion-titlegtv1tbbf\"><div class=\"collapse-inner\">\n<p>Claims under your Newcomer Health Plan Coverage are managed by Cowan.<br>Service providers on the Cowan Preferred Provider Network can bill directly to Cowan, however, a paper claim can be submitted if a member has paid for eligible services.<br>Email: <a href=\"mailto:clients@cowangroup.ca\" class=\"rbc-link-format\">clients@cowangroup.ca<\/a><br>Call: 1-888-509-7797<\/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-title8uqnh9q9\" class=\"collapse-toggle collapsed\" data-target=\"#accordion8uqnh9q9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-0bdd2f4b\" aria-controls=\"accordion8uqnh9q9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is covered?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is covered?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion8uqnh9q9\" role=\"region\" aria-labelledby=\"accordion-title8uqnh9q9\"><div class=\"collapse-inner\">\n<p>Please refer to the NHP Benefits Booklet to confirm what is covered under your company\u2019s 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-titledf6tf48q\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondf6tf48q\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-29916-a5a67783\" aria-controls=\"accordiondf6tf48q\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are my dependents covered under the NHP insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are my dependents covered under the NHP insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondf6tf48q\" role=\"region\" aria-labelledby=\"accordion-titledf6tf48q\"><div class=\"collapse-inner\">\n<p>Yes, the Newcomer Health Plan provides coverage for necessary hospital and medical services for eligible employees under 75 years of age and their dependents, who are not eligible for coverage under a government health insurance plan (GHIP).<\/p>\n\n\n\n<p>Eligible dependents are those persons who reside in Canada and who are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-alphabetical-list mar-l-hlf mob-mar-l-hlf\">\n<li>your legally married spouse or, common-law spouse who has continuously cohabited with you for not less than one full year;<\/li>\n\n\n\n<li>your unmarried, unemployed children under the age of 21 years \u2013 their coverage will continue up to age 26 if enrolled and in full-time attendance at an accredited educational institution and;<\/li>\n\n\n\n<li>your unmarried, unemployed dependent children to any age who are incapable of self-sustaining support or employment by reason of mental or physical disability and have been continuously so disabled since the age of 21.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Don\u2019t see your question? Please contact your Plan Administrator or call us at <a href=\"tel:+18552642173\" data-dig-id=\"LP-23164-b949df2b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-855-264-2173\" class=\"rbc-link-format\">1-855-264-2173<\/a>.<\/p><\/div><\/div><\/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-contact-us-for-assistance-we-can-help\">Contact us for assistance, we can help.<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">For technical assistance and registration, we\u2019re available Monday to Friday from 8am to 8pm ET.<\/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=\"tel:+18552642174\" data-dig-id=\"LP-29916-9bf215a9\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Call 1-855-264-2174-tel:+18552642174 \">Call 1-855-264-2174<\/a><\/div>\n<\/div><\/div>\n<\/div>\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 aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/claims-services-CTA.webp?quality=80\" alt=\"A woman speaking to a claims assistant over the phone\" class=\"wp-image-24264\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/claims-services-CTA.webp 606w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/claims-services-CTA.webp?resize=300,284 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/claims-services-CTA.webp?resize=412,390 412w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/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-29916-879d2adc\" 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>Group 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":"<p>Claims and services<\/p>\n","protected":false},"author":203,"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-23164","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 Benefits Claims and Service | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Find claims and service information for RBC Insurance Group Benefit Solutions, including life, health, disability, dental and AD&amp;D insurance.\" \/>\n<meta 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