Defendant disability insurer wrote plaintiff insured in 2015 that it had determined his disability arose from illness rather than accident and so would stop paying benefits in 2018 when he turned 65 as the policy allowed for illness-caused disability. Plaintiff sued for breach of contract and breach of implied covenant in 2019, more than four years after the 2015 letter, but well within the statute of limitations if the claim accrued only when the defendant insurer actually stopped paying benefits in 2018. Held, the claim accrued only when the plaintiff suffered injury through denial of promised insurance benefits in 2018. Before then any number of events could have occurred which would have allowed the insurer to stop paying benefits without breaching the contract. Accordingly, the suit was timely.