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For more than a century, RBC Wealth Management has provided trusted advice and solutions to individuals, families, institutions and charitable foundations. "Having a basic understanding of how money, investing and our broader financial system works is critical in our society today. That’s good news, but with people spending decades in retirement it’s important to plan for any scenario. Put our award-winning global network to work for you. Yet there is a growing realization, particularly in the wake of the last financial crisis, that many people don't understand budgeting, investing or how simple financial products like loans work.” View profile Director of Portfolio Advisory Group, U. Equities “We continue to suggest to our investors that they maintain their asset allocation to stocks; what is comfortable to them, what makes sense from a strategic standpoint for their allocation and there are reasons for that. Our goals-based wealth planning approach brings clarity today, while helping people build confidence in the future.” View profile using Java Script to ensure the best experience through the site. If we did, the view would be quite different.” View profile Head of Wealth Planning U. Wealth Management “Americans increasingly view retirement as an exciting new chapter in life filled with possibilities. Please check to learn how to enable Java Script on your browser and enjoy the best experience. All information disclosed through the website of Interfax Corporate Information Disclosure Center, which is accredited by the Central Bank of Russia for information disclosure, is available at: Rbc group consolidation de dette rbc In April 2016, searches were conducted at the ONEKSIM Group investment fund, controlling shareholder of the RBC Group, due to the recent publications about Vladimir Putin's daughter Katerina Tikhonova and her husband, Russian oligarch Kirill Shamalov, as well as about the Panama Papers. RBC produces and sells its well-known cleaning and maintenance products to the whole of the industry, as well as to distributors, agents and dealers worldwide. RBC has its own private Research and Development Laboratory, where high-quality products are developed and/or modified. 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. RBC Bearings has a quest to improve bearing performance on neckers, while reducing machine maintenance and downtime. Can Tech reports Moving to lubed-for-life bearings enabled plants to remove those messy and unreliable lubrication lines while extending the life of bearings and master cams. Light weighting the system allowed for faster production.


We provide tailor made solutions aimed at the core customer processes by putting together and adapting the most appropriate HW, SW and services solutions for the specific need of the customer, in order to sustain his strategy. Customer loyalty programs are an important component of retail marketing strategies. An ideal opportunity for RBC to implement a customized application that offers convenient solutions to customers who want to optimize data acquisition from buyers. In retail, but also in other areas, the need for modern solutions and technologies for sales and management is obvious. RBC always delivered the best solutions, equipment and services that always responded optimally to our needs Since 2009, with the opening of the first Decathlon store in Romania, RBC has been a trusted partner for us. Throughout the years, they delivered several complete solutions (hardware and software) and related service and maintenance services. We highly recommend RBC team, due to their proven service skills and professionalism We built RBC around a strong organizational culture. We know this is an ongoing, long-term process, that is why we invest time and effort in building positive experiences, at all company levels, to make sure we are a dedicated and engaged team. A red blood cell count is a blood test that your doctor uses to find out how many red blood cells (RBCs) you have. The test is important because RBCs contain hemoglobin, which carries oxygen to your body’s tissues. The number of RBCs you have can affect how much oxygen your tissues receive. According to the American Association for Clinical Chemistry (AACC), the test is almost always a part of a complete blood count (CBC) test. A CBC test measures the number of all components in the blood, including: Your hematocrit is the volume of red blood cells in your body. A hematocrit test measures the ratio of RBCs in your blood. Platelets are small cells that circulate in the blood and form blood clots that allow wounds to heal and prevent excessive bleeding. Your doctor may order the test if they suspect you have a condition that affects your RBCs, or if you show symptoms of low blood oxygen. If you have a diagnosed blood condition that may affect RBC count, or you’re taking any medications that affect your RBCs, your doctor may order the test to monitor your condition or treatment. These could include: A CBC test will often be part of a routine physical exam. Doctors can use CBC tests to monitor conditions like leukemia and infections of the blood. There’s typically no special preparation needed for this test. But you should tell your doctor if you’re taking medications. These include any over-the-counter (OTC) drugs or supplements. Your doctor will be able to tell you about any other necessary precautions. When you move to a higher altitude, your RBC count may increase for several weeks because there’s less oxygen in the air. Certain drugs like gentamicin and methyldopa can increase your RBC count. Gentamicin is an antibiotic used to treat bacterial infections in the blood. Methyldopa is often used to treat high blood pressure. It works by relaxing the blood vessels to allow blood to flow more easily through the body. Be sure to tell your doctor about any medications you take. A high RBC count may be a result of sleep apnea, pulmonary fibrosis, and other conditions that cause low oxygen levels in the blood. Performance-enhancing drugs like protein injections and anabolic steroids can also increase RBCs. Kidney disease and kidney cancers can lead to high RBC counts as well. Blood cancers can affect the production and function of red blood cells. Each type of blood cancer has a unique impact on RBC count. The three main types of blood cancer are: Your doctor will discuss any abnormal results with you. Depending on the results, they may need to order additional tests. These can include blood smears, where a film of your blood is examined under a microscope. Blood smears can help detect abnormalities in the blood cells (such as sickle cell anemia), white blood cell disorders such as leukemia, and bloodborne parasites like malaria. Anemia is a condition in which there are not enough healthy red blood cells to carry oxygen throughout the body. Types of anemia include: All types of anemia require treatment. They may also experience headaches, cold hands and feet, dizziness, and irregular heartbeats. A bone marrow biopsy can show how the different cells of your blood are made within your bone marrow. Diagnostic tests, such as ultrasounds or electrocardiograms, can look for conditions affecting the kidneys or heart. Rbc group visa banque royale RBC Group is one of Australia’s largest independent and privately owned Technology Integrators. RBC Group is 100% Australian owned and operated. During this time RBC Group has formed partnerships with World leading IT and Software companies such as Hewlett Packard, IBM, Microsoft, Cisco, Lexmark and Apple. Managed Print Services RBC Training Ground is a talent identification and athlete funding program designed to uncover athletes with Olympic potential. Where We Operate. RBC is one of Canada’s largest banks and one of the largest banks in the world, based on market capitalization. Select a Region. Select a Region. Canada United States International Caribbean. In April 2016, searches were conducted at the ONEKSIM Group investment fund, controlling shareholder of the RBC Group, due to the recent publications about Vladimir Putin's daughter Katerina Tikhonova and her husband, Russian oligarch Kirill Shamalov, as well as about the Panama Papers. All of our cars carry a clean history report, clear & unbranded titles. Most of our cars still carry a full manufacturer's warranty. We do not charge hidden dealer fees and our pricing for each vehicle is clearly stated. The vehicle in our inventory are some of the best 2nd hand cars you will find anywhere. Please see reviews and testimonies left by our clients on various websites; including Facebook and Car Gurus.