The plaintiff sought to add Manulife as a defendant to a long-term disability claim after the expiry of the presumptive limitation period, having initially sued the wrong insurer (Great-West Life).
The court dismissed the motion, finding that the plaintiff failed to exercise due diligence to discover the correct insurer and that adding Manulife would cause actual prejudice, as they lost the opportunity to conduct timely medical assessments and charge back benefits to the policyholder.
