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RBC Insurance Denials
Overturning RBC Insurance Denials
RBC Insurance denies disability claims using many of the same tactics as larger insurers. If your RBC disability benefits were denied or cut off, our team knows how to respond effectively.
Common RBC Insurance Denial Reasons
- "You are able to perform modified duties" based on limited assessments
- 24-month change of definition from own to any occupation
- "Lack of ongoing medical evidence" despite treatment
- Reliance on independent medical exams over treating doctors
- Pre-existing condition exclusions applied retroactively
RBC Insurance's Tactics
RBC Insurance frequently:
- Uses in-house reviewers to override treating physician opinions
- Requests repetitive medical updates to create administrative burden
- Schedules IMEs with physicians who frequently deny claims
- Applies restrictive interpretations of policy definitions
- Uses return-to-work pressure tactics
How We Fight Back
- Counter IME reports with independent medical reviews
- Build detailed functional limitation evidence
- Challenge change of definition denials with vocational evidence
- File appeals with comprehensive supporting documentation
- Litigate when RBC Insurance acts in bad faith
What to Do Right Now
- 1Document all symptoms and limitations daily
- 2Request a complete copy of your claim file
- 3Don't attend IMEs without legal advice
- 4Set social media to private immediately
- 5Know your timeline. In Ontario, you generally have 2 years from denial to take legal action
There Is a Deadline on This
In Ontario, you generally have 2 years from the date of denial to take legal action against RBC Insurance. Worth knowing where you stand.
See If We Can HelpRBC Insurance denied your claim? We can help.
Free case review. Responsive. No obligation at all.
Prefer to call? (289) 210-9449
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