The respondent submitted a claim for long-term disability benefits under a group insurance policy, which was denied.
After exhausting the internal appeal process, she commenced an action.
The insurer brought a motion for summary judgment, arguing the action was statute-barred under both the contractual and statutory limitation periods.
The motion judge dismissed the motion, finding the contractual limitation period ambiguous and that the statutory period began only when the final appeal was denied.
The Court of Appeal upheld the decision, agreeing the contractual language was unclear and deferring to the motion judge's factual finding on when the claim was discovered.
The Court also clarified that a group disability policy is not a 'business agreement' under the Limitations Act, 2002.