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Group Benefit Solutions
Give your clients more coverage, more confidence. Introducing Family Critical Illness – available June 1, 2026.
PocketPills: Help Group clients and their Plan Members save on prescription medications
RBC Insurance Wellness Program: Show your clients an easy (and free) solution to support their employees’ health and well-being.
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Group Life and Accidental Death and Dismemberment (AD&D)
With RBC Insurance Group Life and AD&D insurance, employees can be confident that they and their loved ones have financial protection.
Basic life insurance
Life insurance helps to ease the financial strain on an employee’s family by providing a non-taxable lump sum benefit to the family should the employee pass away.
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Choose to offer a flat coverage amount or a multiple amount of the employee’s salary
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An employee may be eligible to convert to an individual policy if he or she leaves the company
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Premiums may be waived up to age 65 if the employee becomes disabled
In addition to life insurance for employees, we also offer coverage for an employee’s spouse and dependents.
Optional life insurance
You can offer optional life insurance for employees, spouses and dependents who want more coverage than the basic policy provides.
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Employees can buy additional coverage at no extra cost to your company
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Employees can easily pay for their coverage through payroll deductions
AD&D insurance
AD&D insurance provides an employee’s beneficiary with a benefit amount if an accident results in death, or financial compensation to the employee if an accident results in the loss of a limb, eyesight, hearing, speech or paralysis.
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Additional ancillary financial benefits are provided to cover day care for children
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Rehabilitative physical therapy benefits are also offered
Group Disability insurance
RBC Insurance Group Disability Insurance can help provide financial support when an employee becomes sick or injured. Plus, rehabilitation and return-to-work programs can help an employee get back to work.
Short-term disability insurance
Disability insurance protects both your client’s company and their employees from financial strain by providing employees with benefit payments equal to a portion of their regular salary.
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Employees may qualify for benefits without being totally disabled
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Employees may be able to work in a reduced capacity, with benefits
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Return-to-work and rehabilitation programs can help your client’s employees return to work gradually or learn new skills for a different job
Short-term disability advice to pay
If your client chooses to self-insure for short-term disabilities, they may need help evaluating and managing employee absences during the short-term disability period. With our Short-Term Disability Advice to Pay (ATP) service, your client gets access to a professional team of disability experts who can help them determine what to do next with confidence and clarity. We offer two ATP service levels to meet your client’s needs.
Basic
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Collection and review of claim information
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Interview with your client, their employee and their health care team to ensure all factors are captured
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Upfront advice about benefit entitlement, anticipated absence duration, and return-to-work date
Enhance
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Ongoing assessment and claim management throughout the short-term disability period
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Regular communication with your client and their employee
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Continued advice about benefit entitlement and absence duration
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Rehabilitation and return to work support, if appropriate
Long-term disability insurance
A Long Term Disability plan can help protect your client’s company and employees from the financial burden of a long term absence due to injury or illness by providing benefits to replace a portion of an employee’s regular salary
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Employees can return to work in a reduced capacity, and still receive benefit payments
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Rehabilitation and return-to-work programs can help employees return to work gradually or learn new skills for a different job
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Optional Spousal Disability Benefits are available
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A Survival Benefit is paid to an eligible survivor if an employee passes away while receiving benefit payments
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A cost-of-living increase helps ensure that monthly benefit payments keep pace with inflation
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Additional services like Teladoc Medical Experts and Employee Assistance Programs are standard features
Group Health and Dental insurance
Help bridge the gap in employees’ provincial health coverage. We’re committed to containing costs for your client’s company while making it easy for their employees to submit claims and understand their coverage.
Prescription drug coverage
Customize your client’s company’s prescription drug plan based on: reimbursement levels, drug plan maximums, deductibles, dispensing-fee caps, the types of drugs offered, and how employees are reimbursed for their prescriptions.
Healthcare benefits
Healthcare benefits include coverage for:
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Paramedical services—covered practitioners and therapists (clinical psychologist, chiropractor, audiologist, massage therapist, dietician and more)
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Semi-private or private hospital room
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Private-duty nursing services
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Medical supplies and services such as hearing aids, orthopedic shoes and custom orthotics
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Accidental dental coverage
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Eye exams and an optional vision care benefit
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Out-of-province/country emergency medical travel insurance benefits
Dental benefits
Your client has two options for offering dental benefits to their employees:
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Basic dental coverage only, which includes recall exams, scaling, x-rays, filings and more
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Or, basic dental coverage plus: orthodontic services and major restorative services such as inlays, crowns, veneers and dentures
Survivor benefits
The surviving spouse or dependents of a deceased employee receives up to two years of continued benefits, with no premiums to pay, or cost to the company.
Cost plus
Cost Plus provides the option to pay for an employee’s unforeseen medical and dental expenses not covered under the plan.
Spending accounts
A Spending Account allows employers to offer additional choice and flexibility to their employees. Your client’s company can allocate credits to their employees each year, which they can use as they wish to pay for the cost of eligible health and dental or wellness-related expenses not covered by your client’s company’s regular benefits plan or by provincial health plans.
There are two types of Spending Accounts employers can offer their employees:
Health Spending Account (HSA)
Employees and their eligible dependents can use their HSA to pay for eligible health and dental expenses not reimbursed by their plan, such as:
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Eye glasses, contact lenses, laser eye surgery, dental implants, orthodontics, etc.
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Expenses due to deductibles or maximums that are outside of their regular plan coverage limits
Wellness Spending Account (WSA)
Employees can choose to use WSA for a wide range of services and items related to living a healthy lifestyle such as:
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Fitness equipment and fitness membership fees
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Sports fees
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Wellness and non-health professional services
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Education and personal development
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Family care
Care and support services
A Long Term Disability plan can help protect your client’s company and employees from the financial burden of a long term absence due to injury or illness by providing benefits to replace a portion of an employee’s regular salary
Virtual primary care
Maple is a telemedicine service that connects employees directly with a doctor who can treat them online so they can feel better faster and get back to their jobs quicker.
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Standard coverage includes 4 visits per family annually, with access from 7am to midnight, seven days a week
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Premium coverage includes unlimited visits with 24-hour access, seven days a week
Mental health support services
With a comprehensive range of options available, we can help guide plan members to the support that’s right for them, including digital wellness programs, virtual counselling services, in-person sessions in your community and more.
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Fitness equipment and fitness membership fees
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Sports fees
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Wellness and non-health professional services
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Education and personal development
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Family care
Group Critical Illness insurance
Coping with critical illness while managing family and work obligations is challenging for an employee. Help your employees, their dependents and their spouse to reduce the impact with an insurance plan that offers a tax-free lump sum benefit that provides financial support, at a time when recovery should be the primary focus.
Group Critical Illness insurance
Your client may choose from two plans for their company, both of which cover the most common critical illnesses and ensure that their employees will be financially protected in the event of a diagnosis.
Simple qualification for benefits
Upon enrolment in a critical illness plan, your client’s employees won’t be required to provide up-front personal health information and pre-existing conditions will be covered.
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Guaranteed Issue amount up to $75,000 – The Guaranteed Issue amount, or the amount of insurance available without having to provide personal health information, applies to all group sizes.
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No pre-existing condition exclusion – Employees will receive benefits for a covered illness, regardless of whether they have a pre-existing condition.
Guarantee Standard Issue Program
Our GSI program is designed to meet the unique and changing needs of Canadian businesses, providing a full range of products and services for your clients. It’s a unique approach that offers funding flexibility and employer cost stability while meeting the needs of a business or certain qualified employees.
GSI program facts and advantages:
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A simplified application process
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Full medical underwriting is not required
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Qualified employees are each issued an individual policy
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The overall GSI amounts that are available are dependent on:
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Premiums paid by an employer are typically tax-deductible: When premiums are paid by the employee – or paid by the employer and added to their income as a taxable benefit – any benefits that become payable directly to the employee are received tax-free.
Popular materials
Advisor materials
GSI On-line Application Brochure
Online Application Census Template and Job Aid
Integrated Individual Insurance Policy Demo
Individual Disability Insurance Online Application Demo
Individual Disability Insurance & Critical Illness Insurance Online Application Demo
Travel
Travel
For travel insurance inquiries and claim forms, clients can contact Allianz Global Assistance:
Assistance
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1-855-603-5571 (Canada and USA)
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905-608-8251 (Collect from anywhere)
Claims
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1-855-603-5574 (Canada and USA)
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905-608-8254 (Collect from anywhere)
Key forms
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Specialized services, savings and support
For plan administrators
- Online administration
- HR support for small business
- Employee Assistance Program – Management Resources
For plan members
- Employee Assistance Program
- RBC Insurance Wellness Program
- Mental health support services
- Teladoc medical experts
- Medical Confidence
- Discount programs
Latest news and updates
Stay informed with the latest news and updates from RBC Insurance designed to keep you connected with our evolving services.
