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Two Ways to Protect Your Paycheque

Life insurance has a clear value—protecting your family if you were to pass away. But what if a serious injury or illness kept you from work? That’s where health insurance such as RBC disability and critical illness insurance comes in. Both help to protect your paycheque—and your savings—until you are able to get back to work again.

Income protection if you can’t work.

Disability Insurance

An unexpected injury or illness can happen to the healthiest of us. Disability insurance can help, by covering your monthly bills if you need to take time off work to get better.

Explore Disability Insurance

A financial cushion to help you recover.

Critical Illness Insurance

While the chances of surviving a life-altering illness today are excellent, a long recovery can deplete your savings. Critical illness insurance can help, with a payment you can use to cover bills or medical services.

Explore Critical Illness Insurance

Compare Coverages At-a-Glance

Protect your paycheque with one or both coverages, depending on your needs:

Questions Disability Insurance
Income protection if you can’t work.		 Critical Illness Insurance
A financial cushion to help you recover.
What does it cover me for?

Depending on the plan you choose, you may be covered forDisclaimer2:

  • Mental illness, like an anxiety disorder
  • Injury, such as breaking a leg
  • Physical illness, such as multiple sclerosis

Depending on the plan you choose, you may be covered forDisclaimer2:

  • The three most common illnesses—cancerDisclaimer3, heart attack or stroke
  • Over
How do I receive my payments? Payments are monthly—and tax-free Receive a one-time, tax-free payment
What can I use the money for?

You have the freedom to use the money however you want. For example:

  • Mortgage or rent payments
  • Transportation to and from the hospitals/appointments
  • Home modifications, medical services and more
What else does this coverage offer me?
  • Faster access to physicians, specialists and leading mental health experts
  • Rehabilitation, retraining and employment coaching to help you get back to work
  • Access to expert medical services from leading specialists at Best Doctors Disclaimerǂ
  • Resources and services to help you and your family cope with the stress and challenges of a long-term illness
Can I claim benefits more than once? Yes Depends on your plan
Will I need a medical exam to apply? Typically, yes Possibly yes, depending on your age and the plan you choose
Learn more Explore Disability Insurance Explore Critical Illness Insurance

Did you know?

Most employee plans end when you leave your job. RBC Health Insurance can go with you.

Nearly half of all working Canadians have experienced a mental or physical illness that required them to take time off work.Disclaimer1

Together, cancer, heart attack and stroke make up 89% of all critical illness claims.Disclaimer1

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