The appellant, a self-employed eavestrough installer, purchased disability insurance from the respondent insurer.
After suffering injuries from a fall in 2007, he received disability benefits until November 2011, when the insurer terminated payments.
The insurer's lawyer sent a letter in January 2012 explaining the termination.
The appellant did not commence an action until April 2015, more than two years after the termination.
The motion judge granted summary judgment dismissing the action as statute-barred under the Limitations Act, 2002.
The appellant appealed, arguing that the insurer breached its duty of good faith by failing to inform him of the applicable limitation period when it terminated his benefits.
The Court of Appeal dismissed the appeal, holding that an insurer's duty of good faith does not require it to give notice of a limitation period to its insured.