RBC Disability Insurance Review, Contact, Quotes 2025

RBC, one of Canada’s leading insurance providers, offers a wide range of disability insurance plans catering to diverse needs. With plans starting as low as $10.50 per month, RBC provides comprehensive solutions for income protection.

Whether you are a self-employed worker, a high-income professional, or someone planning for retirement, RBC offers tailored plans to safeguard your financial stability in times of unexpected challenges. But is it the right choice for you?

In this review, we take you through RBC disability insurance: coverage options, contact, cost, claims, application, and more. Use our free comparator to compare RBC disability insurance quotes and other top providers in Canada to find a plan that truly fits you.

Our RBC disability insurance review of 2025

RBC Disability Insurance offers a wide range of plans tailored to diverse needs, making it a top choice for Canadians seeking income protection. For self-employed workers, part-time employees, and contractors, the Simplified Disability Insurance plan is a straightforward and affordable option, with premiums starting at $10.50 per month and no medical exams required. Compared to Manulife, which has stricter eligibility criteria, RBC’s simplified plan is ideal for those seeking quick coverage.

For seasonal workers, tradespeople, and farmers, the Fundamental Series™ provides flexible and renewable coverage up to age 70 for illness and 75 for injury. With partial disability benefits and customizable terms, this plan outshines competitors like Desjardins by offering more adaptability for irregular income earners.

High-income professionals, such as doctors and executives, can benefit from the Professional Series®, which provides up to $25,000 in monthly income replacement, residual disability coverage, and premium options that suit career stages. This is a stronger offering than Sun Life disability insurance, which caps benefits at lower amounts.

Business owners and executives seeking tailored solutions will appreciate the Quantum® plan, which provides benefits with just a 20% income loss—more flexible than traditional options like those from Manulife.

Meanwhile, small business owners and tradespeople can choose the Foundation Series™, which offers fixed expense coverage and level premiums guaranteed until age 65, or the budget-friendly Bridge Series® for essential coverage at a lower cost.

For those saving for retirement, the Retirement Protector plan ensures RSP contributions continue during a disability, addressing a niche need that few other providers offer.

RBC’s comprehensive range of plans provides tailored solutions for self-employed workers, business owners, and professionals. While premiums may be higher for high-risk jobs, RBC’s flexibility, high benefit limits, and innovative options make it a dependable choice for disability coverage in Canada.

If you think RBC is the right choice for you, you can get a personalized quote right now.

We recommend that you compare RBC disability insurance plans with other providers so you're sure you have a plan that meets all your needs. You can do it right here using our free comparator tool below. Compare multiple plans and get free quotes right here.

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Why sign up for RBC disability insurance?

A disability policy from RBC will:

• Provide a monthly income for you and allow you to support your lifestyle financially in the event illness or injury prevents you from working in the future.
• Give you the means to keep paying your mortgage.
• Pay for day-to-day expenses.
• Protect your savings and those of your household.

RBC provides multiple disability insurance products. An insurance broker or RBC advisor can help you pick the coverage that fits your needs and profile.

What does RBC disability insurance cover?

RBC Disability Insurance is designed to address diverse professional needs, offering four primary categories with seven unique products tailored for specific individuals:

1. For Self-Employed & Part-Time Workers
   • RBC Simplified® Disability Insurance
   • The Fundamental Series™
2. For High-Income Earners & Executives
   • The Professional Series®
   • The Quantum®
3. For Small Business Owners & Tradespeople
   • The Foundation Series™
   • The Bridge Series®
4. For Retirement Planning
   • Retirement Protector

Overview of RBC Disability Insurance Plans

Plan	Who's it best for?	Key Features & Figures
Simplified Insurance	Self-employed, part-time workers	Benefits: Up to $1,500/month (tax-free, 75% of income) Premiums: Start at $10.50/month No medical exam; fast online application (15 minutes) Renewable until age 55
Fundamental Series™	Seasonal/tradespeople, farmers	Benefits: Up to $6,000/month for illness or injury Partial disability benefits available Renewable to age 70 for illness and 75 for injury Benefit Periods: 2 years, 5 years, or until age 65
Professional Series®	High-income professionals	Benefits: Up to $25,000/month for total or partial disability Premiums: Level (guaranteed until age 65) or step-rate (ages 18-35) Benefit Periods: 2 years, 5 years, or until age 65 Return-to-work assistance and survivor benefits included
Quantum®	Business owners, high-income earners	Benefits: Start at 20% income loss (no fixed benefit cap; based on earnings) Premium options: Step-rate or level premiums Benefit Periods: 2 years, 5 years, or until age 65 Includes integration of benefits with other plans to avoid overcompensation
Foundation Series™	Small business owners, tradespeople	Benefits: Up to $10,000/month Level premiums guaranteed to age 65 Benefit Periods: 2 years, 5 years, or until age 65 Enhanced eligibility for farm proprietors
Bridge Series®	Budget-conscious owners	Benefits: Up to $7,500/month Affordable premiums, similar benefit periods as Foundation Series Includes basic return-to-work assistance
Retirement Protector	RSP contributors	Contributions: Continues RSP deposits (varies by plan, typically $1,000-$2,000/month) Benefit Periods: Up to 10 years or until age 65 Portable and non-cancellable policy

• Benefit Amounts: The maximum monthly benefits vary across plans, with higher amounts for professionals and business owners (e.g., up to $25,000/month for the Professional Series).
• Benefit Periods: Options range from 2 years, 5 years, or until age 65, depending on the plan and needs.
• Premiums: Entry-level plans like Simplified Disability Insurance start as low as $10.50/month, while premiums for high-income plans depend on chosen benefit amounts and terms.

RBC Simplified® Disability Insurance

This straightforward and affordable plan is tailored for self-employed professionals, contractors, and part-time workers. It's ideal for those without traditional group coverage or who require minimal qualification hurdles to access coverage. With no medical exam needed and an easy online application, it’s perfect for individuals looking for quick and accessible income protection.

Key Coverage Details:

• Premiums starting at $10.50/month for injury-only coverage.
• Tax-free monthly benefits of $500, $1,000, or $1,500.
• Guaranteed renewable until age 65.
• Coverage for up to 75% of gross monthly income.
• Waiver of premium during disability periods.
• 30-day review period for full refunds if cancelled.
• Portable coverage even after changing jobs.
• No medical exam required for injury-only policies.

You can find more information on this policy in the free PDF below.

The Fundamental Series™

This plan is designed for tradespeople, seasonal workers, farmers, and retail employees. It offers flexibility with optional illness coverage and robust benefits for partial and total disability. The Fundamental Series is ideal for those requiring affordable protection with the option to add illness coverage.

Key Coverage Details:

• Injury-only coverage guaranteed renewable until age 75.
• Illness coverage renewable until age 70.
• Partial and total disability benefits payable monthly.
• Optional 24-hour and illness coverage.
• Accidental medical emergency reimbursement up to $10,000.
• Return-to-work assistance benefits.
• Portable and adjustable benefit periods up to age 70.
• Accessible with a simple 3-question application for injury-only coverage.

You can find more information on this policy in the free PDF below.

The Professional Series®

This premium offering caters to business owners, executives, and professionals like doctors and lawyers. It ensures long-term coverage and financial security for high-income earners, focusing on tailored solutions for unique professional demands.

Key Coverage Details:

• Guaranteed non-cancellable and renewable until age 65.
• Residual disability benefits for partial earnings loss.
• Optional long-term care conversion from age 55.
• Comprehensive return-to-work assistance benefits.
• Health Care Profession Rider for specialized coverage.
• Survivor benefits for dependents.
• Wide range of elimination periods, from 30 to 730 days.

You can find more information on this policy in the free PDF below.

The Quantum®

The Quantum policy provides robust coverage for fee-for-service professionals and executives, emphasizing income replacement for partial earnings loss due to disability. It’s suitable for professionals who need a higher income replacement while maintaining flexibility.

Key Coverage Details:

• Disability benefits for loss of earnings exceeding 20%.
• Choice of benefit periods: two years, five years, or to age 65.
• Recovery benefits for income losses post-recovery.
• Integration of benefits with other sources to ensure fair payouts.
• Optional Family Compassionate Care Rider.
• Health Care Profession Rider for medical professionals.

You can find more information on this policy in the free RBC disability insurance form below.

The Foundation Series™

Designed for small business owners, tradespeople, and farmers, this plan offers broad disability and return-to-work benefits at competitive rates. It's ideal for middle-income earners seeking flexible options.

Key Coverage Details:

• Benefits for total disability with options up to age 65.
• Regular and residual occupation coverage definitions.
• Optional Enhanced Definition of Disability rider.
• Return-to-work assistance programs for smooth transitions.
• Guaranteed renewable to age 65.

You can find more information on this policy in the free RBC disability insurance form below.

The Bridge Series®

This affordable variant of The Foundation Series provides essential disability coverage with customizable options, suited for budget-conscious small business owners and tradespeople.

Key Coverage Details:

• Similar to the Foundation Series but at a lower cost.
• Total disability benefits extend up to age 65.
• Simplified application process for new or part-time business owners.

You can find more information on this policy in the free RBC disability insurance form below.

Retirement Protector

This policy complements other disability plans by ensuring continued contributions to retirement savings during periods of disability. It's best suited for those without pension plans or looking to secure retirement goals.

Key Coverage Details:

• Contributions to RSPs during total disability.
• Rehabilitation support for vocational retraining.
• Health Care Profession Rider for specific professional needs.
• Guaranteed renewable until age 65.

You can find more information on this policy in the free PDF below.

If you're convinced RBC is the right choice for you, look no further. You can get a quote from RBC so you can find a plan that suits you best.

How much does RBC disability insurance cost?

The cost of RBC disability insurance depends on various factors such as age, health, occupation, coverage amount, and the type of policy you choose. Typically, premiums range between 1% and 3% of your annual income.

For instance, if your annual income is $100,000, you might pay between $83 and $250 per month for disability insurance coverage, depending on the policy details and coverage amount you select.

RBC Disability Insurance Cost: An estimate

Here's an estimate of RBC disability insurance quotes to help you understand potential costs

Annual Income	Monthly Benefit (75% of Income)	Estimated Monthly Premium (1%)	Estimated Monthly Premium (3%)
$50,000	$3,125	$42	$125
$75,000	$4,688	$63	$188
$100,000	$6,250	$83	$250
$150,000	$9,375	$125	$375
$200,000	$12,500	$167	$500

Factors Influencing RBC Disability Insurance Costs

1. Age: Premiums are typically lower for younger individuals and increase as you age, reflecting the higher risk of disability with age.
2. Occupation: High-risk jobs, such as manual labour or trades, often have higher premiums compared to office-based or low-risk professions.
3. Health and Medical History: Pre-existing conditions or a history of illness may lead to higher premiums or exclusions in coverage.
4. Coverage Amount and Benefit Period: Higher monthly benefits and extended benefit periods (e.g., coverage until age 65) increase premium costs.
5. Waiting Period (Elimination Period): Shorter waiting periods (e.g., 30 days vs. 90 days) result in higher premiums due to quicker payout timelines.

You can get personalized RBC disability insurance quotes using our partner link right here and get the best rates.

How do I contact RBC disability insurance?

Method	RBC disability insurance contact details
Phone	1-844-214-7019 Hours: Monday to Friday: 8 AM - 8 PM ET; Saturday: 8:30 AM - 4 PM ET
Request a Call from Advisor	Fill out the online contact form with the following details and an RBC Insurance advisor will respond within 2 business days. The details include First Name, Last Name, Postal Code, Phone Number, Best Time to Call, Email Address
Head Office (Currently Closed)	Address: RBC Insurance, 6880 Financial Drive, Mississauga, ON, L5N 7Y5

How do I apply for RBC disability insurance?

You can start your RBC disability insurance application right here using our partner link. All you need to do is enter basic information on your age, gender, and coverage needed, and you get personalized quotes in no time.

You can also make your RBC disability insurance application by calling 1-877-626-4209 or requesting a call from an advisor through their website. You can also apply for injury-only coverage through RBC Simplified Disability online.

The process will essentially involve filling up an RBC disability insurance application form and answering questions on your needs, coverage, and other relevant information.

You can also use our free comparator tool below to compare quotes from RBC disability insurance and other popular providers right here.

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How to manage your RBC disability insurance policy online?

To manage your policy online, you can utilize your RBC disability insurance login. This service allows you to access your policy details, update personal information, and manage payments conveniently.

Accessing Your Online Insurance Account:

1. Sign In: Visit the RBC Insurance Online Insurance portal: RBC Insurance.
2. New Users: If you haven't registered yet, you can enroll by following these steps:
   • Click on the "Enrol Now" option.
   • Provide your policy number, name, date of birth, and postal code to verify your identity.
   • Set up a secure username and password.
   • Your account will become active immediately after enrollment.

For assistance with enrollment or signing in, you can contact RBC Insurance at 1-888-769-2545.

Using your RBC disability insurance login, you can:

• Review policy documents, including billing schedules.
• Change or update payment information, such as credit card details.
• Update your contact information, including email address and phone number.
• Request replacement documents, like lost or damaged pink slips for your vehicle.

RBC disability insurance for medical students

RBC offers a specialized disability insurance plan for Canadian medical students, residents, and fellows, tailored to protect their future income and provide financial security during their training and beyond. The RBC disability insurance medical student plan is designed to address the unique risks and financial challenges faced by medical professionals in training.

Key Features

• Guaranteed Premiums and Coverage: Premiums remain fixed, and coverage terms cannot be altered until age 65.
• Own Occupation Definition: The plan defines disability as the inability to perform the duties of your medical specialty, ensuring benefits even if you can work in another capacity.
• Future Income Option (FIO): Increase your coverage as your income grows, up to a maximum of $25,000 per month, without additional medical underwriting.
• Simplified Application Process: No medical exams or blood tests are required, and enrollment is quick and straightforward.
• Premium Discounts: Medical students can receive permanent discounts of up to 25% on premiums.
• Free Coverage Period: Eligible medical students receive up to 12 months of free coverage.
• Coverage for HIV and Hepatitis B/C: Financial protection is included for disabilities caused by these conditions, which are occupational risks for medical professionals.
• Cost of Living Adjustment (COLA): Protects against inflation by adjusting your benefits during periods of disability.
• Portable Coverage: Retain your policy throughout your career, even if you change institutions or practices.

Coverage Limits

• Medical Students:
  • Year 1–2: Up to $2,000 per month.
  • Year 3: Up to $3,000 per month.
  • Year 4: Up to $4,500 per month.
• RBC disability insurance for Residents:
  • Up to $4,500 per month.
• Fellows:
  • Up to $8,500 per month.

How to enroll for RBC disability insurance for medical students?

1. Application: Complete a simplified form with personal and educational details.
2. Submission: Submit the form through an RBC Insurance advisor or directly to the company.
3. Confirmation: An advisor will contact you to finalize the policy details.
4. Activation: Coverage begins immediately, with the free coverage period applied at the start.

You can find detailed information about the RBC Medical Student Offer in the brochure linked here.

How to file an RBC disability insurance claim?

Processing of RBC disability insurance claims is quite straightforward. Here are a few steps that you must typically follow, however, it is advised to check with your advisor.

1. Notify RBC Insurance: Contact them via customer service, their website, or your insurance advisor to initiate your claim and receive instructions and necessary forms.
2. Complete and Submit Forms: Fill out the claimant’s statement and have your attending physician complete a medical form about your condition. Gather any required supporting medical documentation.
3. Claim Review: RBC Insurance will assess your claim, which may include requests for additional information or medical assessments to determine eligibility.
4. Decision and Benefits: Once reviewed, you'll be informed about the decision. If approved, you will receive details on your benefits and start receiving payments as per your policy terms.

You can download the RBC disability insurance claim forms right here.

How long do you have to claim disability insurance for RBC?

To ensure a smooth claims process, it's advisable to notify RBC Insurance promptly after becoming aware of your disability. While specific time limits can vary based on your policy's terms, timely notification is crucial. For detailed guidance, refer to your policy documents or contact RBC disability insurance claims service at 1-877-519-9501.

What if your claims are rejected?

In Canada, approximately 60% of long-term disability claims face rejection, frequently even those that are valid, commonly due to the perceived insufficient severity of the disability. Insurers may also count on the likelihood that many claimants won't challenge these decisions.

This is where disability insurance lawyers become indispensable, providing essential assistance in contesting and reversing these denials. If you believe that your claim has been wrongfully rejected or that your monthly benefits have been suspended prematurely, you should most definitely consider hiring a disability insurance lawyer to review your case.

Take a look at our comprehensive guide on long-term disability lawyers, covering their functions, selection, and fees.

How to cancel RBC disability insurance?

​To cancel your RBC disability insurance policy, you'll need to complete the Discontinuance of Health Policy form.This form is required for discontinuing disability or critical illness insurance coverage.

Steps to Cancel Your Policy:

1. Obtain the Discontinuance of Health Policy Form:
   • Visit the RBC Insurance website or contact their customer service to request the rbc disability insurance cancellation form form.
2. Complete the Form:
   • Provide all necessary details, including your policy number, personal information, and the effective date of cancellation.
3. Submit the Form:
   • Mail the completed form to:RBC Life Insurance Company Client Services P.O. Box 515, Station A Mississauga, ON L5A 4M3
   • Alternatively, you can fax the form to 1-888-881-7712.

• Processing Time: RBC Life Insurance Company will process your cancellation request within ten business days of receiving it. The Surrender Value will be calculated effective on the day the request is processed.
• Tax Implications: Be aware that all or part of any amount surrendered from your policy may be taxable. RBC Life Insurance Company will inform you of any amount required to be added to your income for tax purposes
• Contact Information: If you have questions or need assistance, contact RBC disability insurance at 1-888-604-3434.