Royal Bank of Canada (RBC) is a Canadian multinational financial services company and the largest bank in Canada. RBC serves approximately ten million clients through its more than 1200 branches.

RBC offers many of its employees short-term and long-term disability benefits through Manulife. Usually, RBC is responsible for the payment of short-term disability benefits and the claim is administered by Manulife. The claim is supposed to transition into long term disability and the benefits are then paid by Manulife.

RBC employees who are receiving short term disability benefits are often surprised and upset when Manulife stops their benefits before the transition to long term disability takes place. Manulife often makes this decision based on the opinions of doctors or nurses it hires who have never met the claimant. They will send a letter stating that there is insufficient medical evidence to support the claim for short term disability. RBC then follows Manulife’s decision and stops paying short-term disability benefits to its employee.

The termination of disability benefits can put claimants in further financial ruin and serve to increase their stress, anxiety and depression and frustration levels.

Manulife offer’s an internal appeal process that often serves to further deny RBC employees who are disabled. We do not recommend that claimants engage in the internal appeal process as we have rarely seen denials overturned by its use.

At Kotak Law, we represent people who have been denied short term disability and long term disability benefits. We are strong and compassionate advocates who have successfully sued insurance companies including TD, Manulife, Sun Life, Desjardins, Blue Cross, Great West Life, Canada Life, AIG, SSQ, Industrial Alliance, RBC, Canada Life, Equitable Life and more.

If you have been denied short term disability benefits you are no doubt feeling frustrated by the process. We are committed to helping people access the disability benefits they have been denied and we understand your frustration with your insurance company.

We offer free consultations and don’t charge until your case is resolved. We represent people throughout Ontario, Alberta and for those who cannot meet us at one of our offices, we offer consultation at your home, a local coffee shop, courthouse, by telephone, Skype, Zoom or WhatsApp.


We understand that being denied short term disability or long term disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling a disability claim lawyer at Kotak Personal Injury Law. We have successfully sued numerous disability insurance companies including TD, Manulife, Sunlife, Desjardins, Great West Life, Canada Life, Equitable Life, Empire Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.

Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We can meet you at our offices, a coffee shop, your home, by Skype or Zoom, or a local court house. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.