Question juridique clé
Whether the insured lost the January 2008 unemployment benefit because the IPA form was not filed within three months.
Solution extraite
The insurer could not rely on the expiry of the three-month period because, in the circumstances, the insured had either already handed in the IPA form or the office failed to warn her that it was missing.
Motifs extraits
The unemployment office's letter showed that only three other documents were missing. Under the duty to advise and good faith, the office had to alert the insured if the IPA form was absent; it could not simply request the other documents and later invoke expiry.