Questione giuridica chiave
Whether the June 30, 2004 reduction of daily benefits could still be challenged years later.
Decisione estratta
No. The insured objected far too late; the reduction had become legally effective and binding.
Motivazione estratta
Even if the insurer should have issued a formal decision, the insured had to react within about one year. Her challenge came more than two years later, so the reduction was final.