{"id":8940,"date":"2021-10-12T12:15:05","date_gmt":"2021-10-12T12:15:05","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/2021\/10\/12\/whats-the-difference-between-critical-illness-and-disability-insurance-and-which-one-do-i-need\/"},"modified":"2023-02-16T16:15:28","modified_gmt":"2023-02-16T16:15:28","slug":"rbc-health-insurance-helps-protect-your-paycheque","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/rbc-health-insurance-helps-protect-your-paycheque","title":{"rendered":"RBC Health Insurance helps protect your paycheque until you can get back to work"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">RBC Health Insurance helps protect your paycheque until you can get back to work<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2021-10-12T12:15:05-04:00\">October 12, 2021<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">5 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Alexandra Macqueen\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Alexandra Macqueen<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-15.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Woman on her phone, thinking about health insurance options\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-15.jpg 930w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-15.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-15.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-15.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=RBC Health Insurance helps protect your paycheque until you can get back to work &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/rbc-health-insurance-helps-protect-your-paycheque\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/rbc-health-insurance-helps-protect-your-paycheque\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">The lowdown on disability insurance<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-the-lowdown-on-disability-insurance\">The lowdown on disability insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-the-lowdown-on-critical-illness-insurance\">The lowdown on critical illness insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Nearly seven in 10 Canadians\u00a0<a href=\"https:\/\/www.ipsos.com\/en-ca\/news-polls\/MNP-Financial-Behaviours-2020-03-02\" target=\"_blank\" rel=\"noopener\">report<\/a>\u00a0that they have current debt \u2013 and four in 10 say they don&#8217;t know how they would pay their bills if they became critically ill or disabled and couldn&#8217;t work.<\/p>\n<p>One option to help keep income flowing if an unexpected sickness or injury happens is through an insurance policy. While critical illness and disability insurance are different products, they serve a similar purpose of protecting your finances should you become unable to work and earn an income.<\/p>\n<h4 id=\"h-the-lowdown-on-disability-insurance\">The lowdown on disability insurance<\/h4>\n<p>Disability insurance pays a monthly income, this is called the\u00a0<i>benefit<\/i>, that replaces a portion of your regular pay cheque if you suddenly find yourself in a situation where you can&#8217;t work because you&#8217;re sick or injured. This includes mental illnesses such as anxiety, depression and post-traumatic stress disorder. Here are a few examples of an illness or injury, that might qualify for benefits under a disability insurance policy:<\/p>\n<ul class=\"disc-list\">\n<li>if you develop a mental illness, such as generalized anxiety disorder;<\/li>\n<li>if you are injured, such as if you break your leg; or<\/li>\n<li>if you develop a physical illness, such as multiple sclerosis.<\/li>\n<\/ul>\n<p>Your specific disability insurance policy will explain the details of your coverage \u2013 such as:<\/p>\n<ul class=\"disc-list\">\n<li>how long you would need to be disabled before monthly payments begin,<\/li>\n<li>the maximum amount of money you could receive each month, and<\/li>\n<li>how long the payments might last if you continue to be disabled.<\/li>\n<\/ul>\n<p>For example, your policy might say that payments would cover 60 percent of your gross salary to a maximum of $4,500 per month; it would start 60 days after you develop a condition that is covered under your policy (that 60 days is referred to as the \u201cwaiting period&#8221;), and payments will last until you&#8217;re age 65, so long as you continue to be disabled and unable to work.<\/p>\n<p>Disability insurance plans will either cover you for your \u201cown occupation&#8221; or \u201cany occupation.&#8221; If you have \u201cown occupation&#8221; coverage, you will continue to receive your monthly benefit if you are unable to return to your regular, pre-disability job. In contrast, if you have \u201cany occupation&#8221; coverage and you are unable to return to your regular job but could take a less-demanding job, your benefit payments could stop.<\/p>\n<p>Some Canadians may have disability insurance through work. A workplace policy is more likely to provide \u201cany occupation&#8221; coverage, so be sure to ask your HR department what kind of coverage you have, if any.<\/p>\n<p>Canadians can purchase an individual disability policy from an insurance broker or insurance company, and can select coverage that is catered to their own needs, including purchasing a policy with \u201cown occupation&#8221; coverage.<\/p>\n<p>The number of Canadians who have disability insurance through work is declining \u2013\u00a0<a href=\"https:\/\/www.newswire.ca\/news-releases\/fewer-canadians-have-disability-coverage-through-workplace-benefits-leaving-them-more-at-risk-680657501.html#:~:text=Fewer%20than%20half%20(48%20per,per%20cent%20in%2020151.\" target=\"_blank\" rel=\"noopener\">fewer than half of Canadian employees<\/a>\u00a0say they have coverage through work, and out of those employees with no work coverage, more than eight in 10 say they have not purchased their own personal policy.<\/p>\n<p>If you have workplace coverage, and your employer pays the cost of the insurance on your behalf, the income you&#8217;d get from the policy is taxable. If you pay the cost of your disability insurance from work yourself, the monthly benefit is not taxable.<\/p>\n<p>If you have a personally owned policy, the monthly income you receive if you become ill or disabled is not taxable.<\/p>\n<h4 id=\"h-the-lowdown-on-critical-illness-insurance\">The lowdown on critical illness insurance<\/h4>\n<p>A critical illness policy will pay out a lump sum if you are diagnosed with one of the illnesses covered by the policy \u2013 such as cancer, Alzheimer&#8217;s disease, a heart attack or a stroke.<\/p>\n<p>Unlike a disability insurance policy, critical illness provides coverage for certain illness but no injuries.<\/p>\n<p>The lump sum benefit from a critical illness policy is not determined by your income prior to diagnosis, and unlike disability insurance, you don&#8217;t have to have a job to qualify.<\/p>\n<p>Another difference you may have noticed between disability insurance and critical illness is that you receive one lump sum payment with critical illness, instead of the monthly payments you would receive with disability insurance.<\/p>\n<p>The lump sum payment is tax-free. You receive the payment after a relatively short wait time \u2013 called the\u00a0<i>survival period<\/i>, this is usually 30 days after your diagnosis \u2013 and your claim is approved by the insurance company.<\/p>\n<p>Receiving a critical illness benefit doesn&#8217;t affect any disability payments you may also be receiving or are eligible for, and there are no restrictions on how you spend the money. For example, you might decide to use the lump sum payment to help with housekeeping chores you are no longer able to carry out personally, to pay for the cost of child care, or to retrofit your home to better suit your needs.<\/p>\n<p>If you&#8217;re interested in critical illness insurance, you will need to carefully review and compare policies and ask lots of questions \u2013 as the coverage can vary significantly. For example, some policies may only provide a payout if you are diagnosed with one of five conditions, while others might cover as many as 30 different conditions.<\/p>\n<p>While many Canadians are aware of the importance of life insurance, critical illness and disability insurance can be an equally important part of your financial plan. Critical illness and disability insurance are sometimes referred to as \u201cliving benefits&#8221; because unlike life insurance, you could receive payments from this policy while you are still alive; so it offers protection to you directly, as opposed to your beneficiary.<\/p>\n<p>Have you put together a plan for how you would pay your bills or manage expenses if you suddenly become ill or injured and can&#8217;t work? Consider taking some time to calculate how much you might need should the unexpected happen, to make sure that your income is protected, and to learn what options are out there to help.<\/p>\n<p>\u00a0<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-disability-insurance\">RBC Disability Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Help ensure your expenses are covered if you get sick or injured<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-285-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-6455b385-4145-4643-9679-b7c9e14cc8e4 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-6455b385-4145-4643-9679-b7c9e14cc8e4 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-6455b385-4145-4643-9679-b7c9e14cc8e4\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you became critically ill or disabled, would you still be able to pay your bills? Here&#8217;s how insurance can help protect your finances.<\/p>\n","protected":false},"author":98,"featured_media":8953,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[47,19,6],"article-type":[80],"ppma_author":[],"class_list":["post-8940","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-critical-illness-insurance","tag-disability-insurance","tag-work-life","article-type-advice-learning"],"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>RBC Health Insurance helps protect your paycheque until you can get back to work<\/title>\n<meta name=\"description\" content=\"If you became critically ill or disabled, would you still be able to pay your bills? 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