The defendant insurer, Sun Life, brought a motion for summary judgment to dismiss the plaintiff's long-term disability claim as statute-barred.
Sun Life argued the two-year limitation period began in February 2014 when it sent a letter closing the file but inviting further medical information.
The plaintiff, Ms. Clarke, provided additional information three years later, and Sun Life issued a final denial in June 2017, explicitly referencing the Limitations Act.
The court dismissed Sun Life's motion, finding that the February 2014 letter was equivocal and that the parties were engaged in an ongoing internal appeal process.
Therefore, a legal proceeding was not an "appropriate means to seek a remedy" until the clear and final denial in June 2017, which is when the limitation period commenced.