How is my coverage under my RBC Insurance Group Benefits Plan impacted?
We at RBC Insurance are working as quickly as possible to assess the impacts of COVID-19 and to keep you informed of key decisions that impact you and your group benefits plan. We are here to support you and your family. While things continue to move fast and change quickly, below is some important information.
COVID-19: Short-Term Disability Benefits
Short-term disability benefits provide income replacement, for short durations, in the event a person is unable to work due to injury or illness.
If you’ve tested positive and diagnosed with COVID-19 and cannot work (even from home), whether or not you are displaying symptoms, benefits will be payable from the start of your quarantine period. This means that the elimination period will be waived and benefits paid immediately.
You will need to:
- Complete the COVID-19-related Plan Member Confirmation of Illness form, and
- Submit it to firstname.lastname@example.org
For assistance, call our Life & Health claims team at 1-877-519-9501.
In the event you’ve tested negative and are not diagnosed with COVID-19, but have symptoms that prevent you from working (even from home), an STD claim should be submitted. Standard contractual provisions would apply, meaning that the elimination period would need to be satisfied before benefits are paid to you.
In the event you are not at work because you’ve been advised to self-quarantine or self-isolate by a government or healthcare authority eligibility to benefits will be based on the terms of your Group Benefit Solution contract, including the definition of disability. For example, mass quarantines issued by a health authority or cautionary quarantines issued by an employer would not qualify for coverage. This means that if you have no disabling symptoms and cannot work from home, benefits will not be paid. A claim through the Government of Canada Employment Insurance sickness benefit should be submitted.
TIP: Employment Insurance (EI) sickness benefits are available to provide income replacement for eligible EI claimants who are unable to work because of illness, injury, or quarantine. Quarantined Canadians can apply for EI sickness benefits. Service Canada is ready to support Canadians affected by COVID-19 and placed in quarantine. The one-week waiting period for EI sickness benefits will be waived for new claimants who are quarantined so they can be paid for the first week of their claim. Service Canada’s dedicated toll-free support number is 1-833-381-2725 or (TTY) 1-800-529-3742.
Need support? Work-Life Employee Assistance program (EAP)
Don’t forget about your Work-Life Employee Assistance program (EAP). Immediate and confidential EAP services, including counselling, educational materials, referrals to community services and more are accessible 24/7 by calling 1-877-630-6701. There are also COVID-19-related additional resources:
- The www.lifebalance.net website features information on the coronavirus and coping with trauma.
- Members of the Work-Life Employee Assistance Program Traumatic Event Support Team are available to support individuals and organizations impacted by these events.