Key legal question
Whether the insured could rely on lack of notification of the registered invitation to the counseling appointment.
Extracted holding
Yes. The court accepted that the invitation had not reached the insured's sphere of control because the postal notice was not deposited, so the fiction of notification could not be applied.
Extracted reasoning
The authority bears the burden of proving notification at least on a balance of probabilities. Where the insured was unaware of the letter and no alternative notice was given, and where the lower court found a distribution error, the lack of notification may be invoked in good faith.