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LIMITATION AND ENTITLEMNT TO BENEFITS: applicant did not provide any submissions to explain why it took approximately five months from the denial of EI benefits to the application for accident benefits; applicant makes case for IRBs;

https://www.deutschmannlaw.com/blog/post/insurer-misses-broken-bones-in-adjusting-claim-applicant-is-removed-from-mig-pm-v-rbc-lat-16-001611