Long-term disability (LTD) insurance protects you if you become disabled and are unable to continue to work in your job. The LTD policy is a contract that outlines the rights and obligations of both the insured person and the insurance company. Every contract is different and provides for different benefits and procedures that must be followed.
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Bonilla v. Great-West Life Assurance Co. et al, 2016 ONSC 2249 (CanLII)
Additional reasons on costs following successful summary judgment motion by second defendant, CIBC. CIBC argued for substantial indemnity on basis of Offers to Settle.