Last week, a police officer call me to ask me if I know where my brother is. We seldom talk to each other since our parents past away, only gathering 2-3 times in a year. Last time we talked (last Christmas), he is still single, and working in a restaurant in Calgary. I live in GTA Area.

His landlord didn't received rent from him by Jul 1st, and cannot find him, then call the police. He left all of his belonging, including his wallet, driver license, and his car in the premises. The landlord claims my brother is really quite person, and seldom talk about his life. The neighbor said that they seldom have visitors and seldom talk to anybody and not at home all the time. The police office trace his credit card and debit card, the last use was in June 17 at Wendy's close to where he live. The police officer also check on his bank account and social insurance, he didn't work in the last 9 months, and all the income are deposited by cash (we have no idea where the money come from) to his cheqing account.

They also found out my brother have a direct deposit to RBC Life Insurance in the past 2 years. And the beneficial person is me. I totally have no idea about it. Now the police officer told me there is nothing subspecies found yet, they will file into missing person category. And I cannot take the insurance, because there is no body found yet.

I obviously hoping my brother is OK, but I just kind of bad feeling about it. I just wonder if anybody know what is going to happen next? I just seat here and keep waiting? Now I really miss him and I hope he could come back. :(

You can claim after two years... from the day your brother is missing.