The plaintiff, Ms. Clarke, sought long-term disability benefits from Sun Life.
Sun Life initially approved 'own occupation' benefits but closed the file in February 2014, stating medical information did not support 'any occupation' benefits.
After a three-year delay, Ms. Clarke provided further medical information in March 2017, leading to another rejection in June 2017.
Ms. Clarke then filed a statement of claim in August 2018.
Sun Life moved for summary judgment to dismiss the action as statute-barred, which was denied by the motion judge.
Sun Life appealed.
The Court of Appeal found the motion judge erred in determining the limitation period's commencement and in failing to conduct a proper discoverability analysis under the Limitations Act, 2002.
The appeal was allowed in part, setting aside the motion judge's order and directing the matter to proceed to trial to determine the limitation period issues.