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You have two years from the date of denial to sue the insurance company. It’s the law, plain and simple. If you don’t sue within two years from the date of denial, there is a very good chance that your case will get dismissed for failing to commence your claim within time.

http://www.torontoinjurylawyerblog.com/2016/08/things-watch-comes-long-term-disability-claim-ltd-ontario.html