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The hybrid solution is a combination of onsite and offsite technology infrastructure that maximises your internal assets while leveraging external cloud services. Many businesses have been cautious about moving into the cloud, unaware that hybrid clouds are a game changer. There are many reasons for concern with the main focus on the lack of control and potential for risk. The risks are related to the accessibility, security, and availability of external resources held on public clouds, as opposed to private clouds. So while private clouds can be designed to address these concerns and fire-walled from the rest of the internet, the question is will a hybrid cloud deployment deliver sufficient benefits. A hybrid cloud offers the best strategy to future proof their business growth and ensures they can take advantage of new technology. Your business can incorporate the flexibility of using the public cloud, private cloud service, and in-house technology infrastructure. You can match the right capability as workloads change, and different resources are needed, moving efficiently between technology platforms. The benefits for improved security, efficient allocation of resources to match the growth and controls of costs are outcomes of good hybrid technology design. The combination of onsite and offsite technology infrastructure addresses many security and compliance concerns with the use of public clouds. Whatever the business case, you can utilise the high performance of a private cloud and process transactions faster in a secure environment. The capability of your company to adopt new technology quickly presents a significant strength to future proof your business. The hybrid cloud enables your business to deliver products or services to the market more efficiently. The rapid delivery of technology capability is achieved without significant upfront investments, so your business can test new functionality by leveraging the vast resources of the cloud. The hybrid cloud design offers a capital expenditure reduction due to the mix of onsite and offsite computing, which reduces your need for in-house infrastructure. Hybrid clouds are infinitely scalable and deliver the efficient use of technology resources. The advantage is that instead of paying fixed costs for you don’t always use, your prices will reflect your usage. At RBC Group, we make the transition to a hybrid cloud environment fast and seamless. As IT providers, we have the skills and the knowledge to create a customised IT infrastructure that maps the deployment of your organisation’s transition to the cloud. We work collaboratively with IT leaders to create an environment where multiple stakeholders and technologies can come together as a cohesive whole. This innovative ecosystem provides the opportunity for you to exploit new business opportunities and optimise your portfolio for future business growth. For more information on the benefits of hybrid clouds for your organisation, call us on 1300 857 164, email us at info@au or complete the following form. RBC Group is one of Australia’s largest independent and privately owned Technology Integrators. Currently, in its 44th year of operation, RBC Group is 100% Australian owned and operated. In this time, RBC Group has formed partnerships with World Leading IT and Software companies such as Hewlett Packard, IBM, Microsoft, Cisco, Lexmark, and Apple. RBC Group enjoys offering personalised service and support through our long standing, friendly team and looks forward to working with many more companies Australia wide. In the new age of technology, Security is paramount; that is why at RBC Group, each of our services or products are designed and implemented with security being a key priority. Rbc group advantage rbc westgate A group benefits package from RBC Insurance can give your employees the protection they deserve and make your company a place where people want to work. RBC Group Advantage is a comprehensive program that promotes your employees' overall financial wellness by helping them with all of their financial needs; from investment and retirement savings to everyday banking and financing. RBC Group Advantage combines the expert advice of RBC Royal Bank with the ultimate in convenience for your employees. Your individual policy takes into account your group plan member rate, your unique insurance needs and the numerous discount opportunities that we offer (discounts may vary by province). The best way to find out exactly how much you could save is to get a quote today or speak to licensed RBC Insurance advisor. Insurance can seem complex and it’s not always easy to decide exactly what you need—and what you don’t. Our licensed advisors are happy to give you no-pressure advice. Just call us at Whether you’re off to experience Paris, explore Disney World or make a quick jaunt across the border for the weekend, it’s important to keep in mind that the unexpected can happen at any time – even right before you leave or while you’re away. A last-minute diagnosis or a major weather event might cause you to cancel your trip. At your destination, a fall while hiking, an unexpected accident or a medical emergency could cost you dearly. That’s why the first thing you should do once your trip is booked is obtain travel insurance – coverage that can travel with you anywhere in the world. Experienced staff at our Would your loved ones be financially secure if something happened to you? Term life insurance provides coverage for a specific period of time and is renewable after the initial term is up. Important benefits include: Would you still be able to pay your bills if you are sick or seriously injured and unable to work? Disability insurance is designed to replace a portion of your income if you’re unable to work due to an illness or injury. Important benefits include: Focus on your recovery, not your finances Critical illness insurance provides you with a tax-free lump sum payment that you can use any way you wish if you are diagnosed with a covered illness. It can cover many costs related to illness including: View Legal Disclaimers 1) For home insurance, there is a 20% reduction in deductible for every claims-free year in all provinces and territories. For auto insurance in Quebec and Newfoundland, there is a $50 reduction in deductible for every claims-free year up to a maximum reduction of $250. For auto insurance in all other provinces and territories there is a 20% reduction in deductible for every claims-free year to a maximum reduction of the deductible total. Businesses with over 30 plus employees who want or want to transition their group retirement plan to RBC Group Advantage for personal one on one financial planning services to employees of companies.


Online Administration for Plan Administrators provides real-time secure access to your company's benefits plan, helping you to complete your tasks faster. This comprehensive program gives your employees 24/7 access to a valuable and confidential support resource and a wealth of management resources for you. Learn more about all this program has to offer for you and your employees. Your employees have access to an information-rich website filled with resources and materials, as well as toll-free phone access to counsellors, and referrals to qualified legal, financial and wellness professionals. Learn More This service gives you access to specially trained consultants who can provide guidance on workplace concerns such as employee tardiness and absenteeism, disciplinary issues, performance and productivity, substance abuse, co-worker conflicts, best practices for managing virtual employees and more. Call Life Works at Access articles and podcasts on current and relevant topics that will help you hone your skills as a leader, better manage workplace issues and create a workplace culture of engagement. To access the self-serve online library: Clients with Health Coverage: Web Access Support and reward your employees’ health and well-being! This program is offered at no additional cost for Group Benefit Solutions plan members with health coverage and is easy for Plan Administrators to Implement. Learn More Plan Members can access the RBC Insurance Wellness Program one of two ways: Sign in to Online Group Benefit Solutions and select ‘Wellness and Employee Assistance’. OR Launch the RBC Insurance My Benefits app and select ‘Wellness Program’ on the main page. Plan Administrators can access the Admin Panel for RBC Insurance Wellness Program through Online Group Benefit Solutions. Note that Plan Administrator access is not available through the My Benefits App. How you access the Wellness Program as a Plan Administrator will depend on whether the email address you provided to register as an administrator is the same or different as the email address you provided when registering as a plan member Services include expert second opinions about a medical diagnosis and treatment options, help finding leading specialists, information on medical conditions and help navigating the healthcare system. Access to specialized and timely care can mean better health outcomes for your employees and reduced time away from work. Learn More In addition, this program may help your company lower unnecessary drug claim costs by reducing medication waste and increase productivity due to less medication-related absenteeism and employee disability. Learn More Your employees have easy access to their extended health and dental benefits. Each plan member receives an ID card and can manage their benefits through our Online Group Benefits Solutions service or the My Benefits app. Dealing with a disability issue can be stressful for both you and your employees. It’s our goal to help make things as easy as possible. Please review our Disability Claims FAQs below to better understand our claims process and how you can make this process easier on your employees. Calculating an Employee's Monthly LTD Premium Amount Follow the instructions on this worksheet to calculate an employee's monthly volume and premium for long term disability insurance with a flat percentage. Cost Plus Claim Form Special claims reimbursement form. Employer must complete form and return to RBC Insurance. Forward original form along with payment to: RBC Life Insurance Company PO Box 1600 8677 Anchor Drive Windsor, Ontario N9A 0B3 Attention: Client Administration Evidence of Insurability Form Both the employee and the plan administrator must fill out this approval form for reasons specified within the insurance contract(s). Forward a copy of this form via email to: Medical Underwriting Support@Retain the original form for your records. Group Accident Insurance Conversion Notice ($100,000) Policyholder completes this notice and provides it to any individual who is eligible to convert to an individual accident insurance policy. It provides an opportunity for those persons leaving the Group, who are under the age of 70 years and a resident of Canada, to convert to an individual accident insurance policy. Mail along with payment to: RBC Life Insurance Company PO Box 1800, STN B Mississauga, ON L4Y 3W6 Group Accident Insurance Conversion Notice ($200,000) Policyholder completes this notice and provides it to any individual who is eligible to convert to an individual accident insurance policy. It provides an opportunity for those persons leaving the Group, who are under the age of 70 years and a resident of Canada, to convert to an individual accident insurance policy. Mail along with payment to: RBC Life Insurance Company PO Box 1800, STN B Mississauga, ON L4Y 3W6 Group Benefit Solutions Pre-Authorized Debit Agreement For Group Benefit Solutions client, complete this form to sign up for pre-authorized debit payment of premium. Forward a copy of this form via email to RBC Insurance Customer Service, admin@com or fax to: Group Enrolment Form To enrol in group insurance, the employee and employer must fill out this form and return it to RBC Insurance. Forward a copy of this form to RBC Insurance Customer Service, Refer to grid. Life Conversion Application - Group Benefit Solutions If an employee has recently been terminated or their life coverage was reduced, they may be eligible to apply for conversion and become insured under the Group Life Conversion Policy. Forward this form to RBC Life Insurance Company PO Box 1800, STN B Mississauga, ON L4Y 3W6 Maternity/Parental Leave of Absence - Opting Out of Coverage Both the employer and employee must complete this form if the employee elects to discontinue his/her coverage's offered under their employer's mandatory plan while on Maternity/Parental leave of absence. Forward a copy of this form to RBC Insurance Customer Service, Refer to grid. Group Benefit Solutions - Refusal of Coverage Form Both the employer and employee must complete this form if the employee does not wish to enrol in short and/or long term disability coverage offered under their employer's non-mandatory plan. Forward the original form to: RBC Life Insurance Company Refer to grid. Retain a copy for your records Beneficiary Designation Form Employees purchasing life insurance are required to provide RBC Insurance with a beneficiary designation card to keep on file with the insurance plan. This is only necessary if you have not completed a Group Enrollment Form. Employees must fill out and sign this card in order to appoint a trustee for a minor beneficiary. Forward a copy of this form to RBC Insurance Customer Service, Refer to grid. Group LTD Conversion Facts If your plan has a conversion option and an employee who has been covered for long term disability benefits under a group long term disability plan for at least 12 months, has recently terminated employment, that employee may be eligible to apply for conversion and become insured under the Group LTD Conversion Policy. Group Life Insurance Accelerated Benefit Notice of Claim This form is required in the event an employee (or member) elects to receive a portion of their life insurance benefit while living, becomes terminally ill and has been given a medical prognosis of 12 months or less to live. The benefit is paid in one lump sum to the employee (or member) and payable once during their lifetime. Once these forms are returned to the Employer, send these documents to RBC Insurance at: P. Box 4435, Station A, Toronto, ON M5W 5Y8 Or email intake@Application for Accident Insurance Conversion Employees complete this application in conjunction with the Group Accident Insurance Conversion Notice to exercise their Conversion Privilege under the Group AD&D Insurance Policy. It provides an opportunity for those persons leaving the Group, who are under the age of 70 years and a resident of Canada, to convert to an individual accident insurance policy. Send complete form to: RBC Life Insurance Company PO Box 1800 Stn B Mississauga, ON. L4Y 3W6 (ID Customer Service) Canadian Contract Employee Questionnaire This Questionnaire must be completed for each Canadian Contract Employee working for the Employer in Canada for whom group insurance is being applied. Forward a copy of this form via email to: RBC Insurance Customer Service admin@com or fax to: 1-855-257-1599 Retain the original form for your records. Foreign Contract Employee Questionnaire This Questionnaire must be completed for each Foreign Contract Employee working for the Employer in Canada for whom group insurance is being applied. Forward a copy of this form via email to: GBS Service groupbenefitssolutions@Retain the original form for your records. Select ‘Forgot Password’ on the Online Administration sign-in page and answer the personal verification questions. Your account will be locked after three failed attempts to enter your password. If you are locked out or cannot answer your personal verifications questions, please call us at The Group Enrolment Form allows you to capture required information to register your employee. Have your employee complete the Group Enrolment Form and then sign in to Online Administration to enrol your employee. Refer to the ‘How to’ feature, ‘Add a plan member’ from the Home screen within Online Administration. To waive the waiting period, enroll the employee using “Add A Plan Member” and in Step 2, confirm you wish to waive the waiting period. Acknowledge that the criteria is met and select “‘Next Step” to process. Statements are available each month in PDF or Excel format within Online Administration. When your billing is posted to the site, you will receive an email with this subject line: Your bill has been posted to the site. To avoid a request for Evidence of Insurability, it is imperative that you enrol all eligible employees within 31 days following the completion of the Waiting Period, or the date he or she becomes eligible for coverage. Sign in to Online Administration—detailed instructions for performing specific tasks are located on the main page in the ‘How to’ section. Select a topic from the drop-down list and select GO. ‘How to’ topics include: add a plan member, terminate a plan member and more. If you need assistance, use the ‘Contact us’ feature within Online Administration and a customer support representative will help you. To change a beneficiary designation (where allowed by law), have the plan member complete the Beneficiary Designation Form and keep the original form for your records. You can make the necessary change by signing in to Online Administration and updating the plan member’s beneficiary. Refer to the ‘How to’ feature, ‘Modify or Correct an Error to Existing Information’. Any employee changes previously reported and not included on the current monthly billing statement will be reflected on the next statement with any appropriate back charge or credit. If you have an employee absent from work for an extended period of time and you anticipate that they will not be returning to work prior to the end of the long term disability (LTD) benefits elimination period, the claim process should begin. To help ensure minimal or no interruption in pay to your employee, claim forms should be completed Your employees will need to complete the Client's Statement of Disability and the Attending Physician's Statement of Disability - General Form, or whichever form is most appropriate to their condition. It is your employee’s responsibility to submit their form, as well as the Attending Physician Statement, directly to RBC Insurance. The cost for completing the Attending Physician Statement is the responsibility of the employee. However, we will pay a nominal fee should your employee’s physician provide us with copies of their medical records, including office notes, test results, etc. Once all three forms (Client’s Statement of Disability, Employer’s Statement of Disability, and Attending Physician Statement) have been submitted to RBC Insurance, a disability claims specialist will be assigned to your employee’s claim and the assessment will begin. We will contact you and your employee for a detailed telephone interview and may request additional medical information from the attending physician. If your employee’s claim is pended, this means we may require more information from their attending physician or your employee. We will advise you and your employee verbally and in writing of what we need to complete our assessment of their claim. The time it takes to make a decision on a claim depends on the complexity of your employee’s condition and other factors preventing them from working. Therefore, a decision might take longer as we try to thoroughly assess and understand your employee’s medical and functional circumstances and how they impact their ability to work. The best way to help speed up the decision process is to make sure that forms are fully completed and submitted to us right away. Claim forms should be sent to us If your employee’s claim is payable, we will call you and your employee to communicate our decision. We will explain the benefit details and coverage information, as well as the next steps and expectations for the ongoing management of their claim. An approval letter confirming the decision and outlining the details will be sent to you and your employee. A disability claim will be payable as long as the employee is deemed “disabled” according to the definition of disability in your group policy. The length of payment depends on a few major factors: severity and complexity of the medical condition, required recovery time and treatment of the condition, and any rehabilitation that might be needed to help your employee return to work. Because every claim is unique and the medical circumstances of an employee are different, the duration of a claim will vary. If the claim is not payable, we will provide a clear and detailed explanation of our decision to your employee in writing and over the phone. We will also notify you of our decision in writing; however, keep in mind that medical information is confidential and will not be provided to you in order to protect your employee’s privacy. Our standard practice is to notify the employer of our decision first, then the employee in order to give you advance notice. Examples of reasons why your employee’s claim may not be approved: Our claim process is designed to ensure that your employee’s claim receives a thorough, fair and objective evaluation. Your employee has the right to appeal the decision within 90 days of the date of the decision letter. The appeal process will be clearly outlined in the denial letter. You may be contacted by our Appeals consultant should more information be required from you. Any questions about the appeal should be directed to them. You can help by keeping in touch with your employee while they are off work. Please be ready to offer accommodations to allow for a gradual or modified return to work and let your employee know you will support and facilitate a transition to the workplace. This connection to the workplace will make their return that much easier. We will monitor your employee’s progress and determine when they are medically able to return to work in a safe and timely manner. We will partner with you, your employee and their attending physician to coordinate the transition. Return-to-work potential is part of the claim evaluation from the start and, if required, we may assign one of our vocational rehabilitation specialists to assist in the process. RBC Insurance HR Support provides valuable information to help your company stay up-to-date with employment standards legislation. To access these resources, sign in to Online Administration and click on the ‘HR Support Centre’ link on the main page Yes! RBC Insurance HR Support gives you access to free HR policies and templates plus information on employment standards legislation. To access these resources, sign in to Online Administration and click on the ‘HR Support Centre’ link on the main page. For more than a century, RBC Wealth Management has provided trusted advice and solutions to individuals, families, institutions and charitable foundations. Put our award-winning global network to work for you. Vice President & Director, Head RBC Wealth Management Services “In a time when answers to virtually every question are just a click away, people are unfortunately ignoring the fact that opinion is not the same as reputable expertise and advice. The value of proper wealth-management guidance cannot be overstated, as it encompasses your entire financial situation at each life stage.” View profile President and CEO of RBC Royal Trust “Seniors are the fastest growing age group in Canada. In 2011, five million Canadians were 65 or older, a number that will double in the next 25 years. As this number increases along with life expectancy, so do the complexities associated with aging, including health-related issues.” View profile Chief Economist RBC Global Asset Management Inc. “In retrospect, the decision to deliver fiscal stimulus during the worst of the economic downturn was inspired. Not only have bond markets reacted well, but international evidence has also congealed around the conclusion that every dollar borrowed generated two in economic benefits. So far, so good.” View profile using Java Script to ensure the best experience through the site. Please check to learn how to enable Java Script on your browser and enjoy the best experience. Rbc group advantage dominion securities online RBC Group Advantage will help you build and retain a productive and motivated workforce. RBC Group Advantage is a comprehensive program that delivers financial wellness to your business by taking care of your employees’ financial needs, form savings and investments to everyday banking. This site is supported by Internet Explorer 5.0 and above, Safari, Firefox and Chrome browsers only. A group benefits package from RBC Insurance can give your employees the protection they deserve and make your company a place where people want to work. Protect Your Employees While Canada’s national healthcare program gives Canadians access to doctors and emergency medical treatment, it doesn’t cover everything. In fact, some new drug treatments can have very high costs. A group benefits plan helps to ensure your employees and their dependents are adequately protected. Maintain Productivity Your employees face many common challenges created by the competing priorities of work and life. An Employee Assistance Program or a Best Doctors Program can provide outside resources, tools and support they need— and helping employees stay focused at work. Attract and Retain Key Talent A well-designed group benefits package can help to make your business more competitive, recruit top talent, retain employees and boost employee satisfaction and maintain productivity. Provide Tax-Efficient Compensation Without a benefits plan, employees must pay for day-to-day health, dental and prescription drug expenses with after-tax income. Employee benefit plans can be designed to cover these expenses using before-tax income—leaving more money in your employees’ pockets. RBC Insurance Group Benefit Solutions can be the key to helping your business attract and retain the right people. To find out more, speak to your Benefit Advisor or contact us and we will be happy to help. 2) Statistics Canada, “Insights from the Canadian Community Health Survey,” June 2011. 3) Benefits Canada, “Small businesses can benefit from benefits programs, 2011. The bulk of Canadian employers believe that offering benefits gives them a hiring advantage and increases employee productivity—but many employers aren’t implementing the necessary programs to reap those benefits.