RBC Life Insurance Denied Disability Benefits
It is very commonplace to receive a long-term disability denial from an insurance company. A denial can catch you off guard, wondering what has happened. Clients are surprised and distressed.
Typically insurance companies cut-off workers’ benefits after 6 to 12 months. RBC Life Insurance Company is no different. They are trying to save their bottom line.
The reason for refusal can differ from case to case. Most people report receiving denials for insufficient medical evidence while others say RBC has determined on their own they can return to work in some capacity. It is up to the person to prove the insurance company wrong.
It is common for people not to even try to challenge RBC’s decision thinking there is no way I can take on a big insurance company. Insurance companies rely on the fact that most people will not appeal their decision as it can seem like quite a daunting task.
After receiving the LTD denial letter, people are not sure how to successfully appeal. What can you do when RBC Life Insurance denies your claim? Here is what you need to know and how to use the RBC Life Insurance appeal process.
The stress and uncertainty can make a difficult situation even more unbearable. We can help
What are the Common Reasons RBC Life Could Deny Your LTD Claim
If RBC Life denies your claim, regardless of the reason, you can get your denial reversed through the appeal process. With the help of an experienced Toronto disability lawyer, you can build a winning case. Himelfarb Proszanski has challenged disability insurance company denial on many occasions.
About RBC Life Insurance: RBC Life Insurance Company is part of the Royal Bank of Canada, a multinational financial services company and currently Canada’s largest bank by market capitalization.
Founded 1864 in Halifax, Nova Scotia, the bank has evolved into a group of companies handling multiple facets of financial services, including Insurance.
RBC Insurance has 2500 employees serving 5 million people, offering them health, home, auto, travel, wealth and reinsurances plans. Group and Private Long-term Disability insurance policies are offered under RBC Life Insurance’s Health plans.
5 Tips for Appealing a Denied LT Disability Insurance Claim by RBC Life
If RBC Life Insurance denies your LTD insurance claim, you need to push on and take the next step. Long-term disability claims are routinely denied by insurance companies. In most instances, you should use the appeal process to fight your case. However, it’s important to do it right to preserve your credibility and build a winning case. A Toronto-area long-term disability lawyer from Himelfarb Proszanski can help.
Timing your appeal is crucial for success: there is a 2-year window to file a claim in court, which starts when the applicant receives a “clear and unequivocal denial” of the claim from Sun Life. There is also an internal appeal timeline to obey, which can vary depending on your Sun Life disability insurance plan. An appeal to the insurance company is usually not effective and you simply waste precious time. You should have your case reviewed by one of our lawyers right away to determine your best course of action.
It’s important to gather as much evidence and information as to why your claim has been denied. You can also ask Sun Life to see your insurance claim file and any other documentation your insurance company may have about your claim.
Each disability insurance plan has its own particularities and terms for coverage. It’s important to understand how the terms relate to your situation so you can provide the right evidence to back your claim.
After Sun Life denies your long-term disability benefits, you have 2 options to ask the insurer to reconsider their decision: an internal appeal process within Sun Life, and a court action decided by a judge . It’s critically important to choose the right process, which depends on your specific situation. An LTD lawyer who has challenged Sun Life’s denial decisions successfully can help you make that choice.
There are many hurdles when you try to challenge an insurance company’s denial of your LTD benefits. Without the help of an experienced disability lawyer these hurdles become major obstacles between you and your benefits. HIMPRO’s team has recovered long-term disability benefits for many clients, after they’ve been denied by Sun Life. We can help you achieve the same.
