Kernrechtsfrage
Whether the course-cost request was filed in time and, if not, whether the lateness was excused
Extrahierter Entscheid
The request was filed only after the course ended, and no excusable reason for the delay was shown; therefore the insurance had no duty to cover the course costs.
Extrahierte Begründung
The claimant knew from earlier approved courses that a separate, timely application had to be filed before each course unit. The file contained no reliable proof of any prior oral approval or automatic sending of forms. Her conduct showed she knew she had to act before the course began.