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Not too long ago, the Toronto Injury Lawyer Blog focused on limitation periods in the context of Long Term Disability Claims, and how insurers will delay, delay, delay such that enough time has passed that they could ask the Court to dismiss your claim. Delay is the enemy of a Plaintiff and the friend of an insurer.

http://www.torontoinjurylawyerblog.com/2015/12/limitation-periods-long-term-disability-claims-challenged-rbc-life-insurance-ontario-court-appeal.html