IVANOVS v. BAYADA HOME HEALTH CARE, INC.

**What Happened** An employee filed a lawsuit against Standard Insurance Company over a disability insurance claim. The employee argued they should be allowed to pursue their case even though they filed it after the three-year deadline specified in their disability policy. The employee claimed they never received proper notice about this time limit and asked the court to extend the deadline based on fairness principles. **What the Court Decided** The court ruled in favor of Standard Insurance Company. The judge determined that the three-year time limit written into the disability policy was valid and enforceable. Despite the employee's argument that they weren't notified of the deadline, the court found this wasn't sufficient reason to extend the filing period. **Why This Matters for Workers** This ruling highlights the importance of carefully reading disability insurance policies and understanding all deadlines. Workers should be aware that insurance companies can enforce strict time limits for filing claims, even if employees claim they weren't properly informed about these deadlines. If you have a disability insurance policy through work, review the terms carefully and note any filing deadlines to protect your rights to benefits.