Appellant Thomas K. Felton, as personal representative of the estate of A.G. Felton, deceased, appeals from the circuit court’s order of dismissal with prejudice granting summary judgment to appellees Rebsamen Medical Center, Inc., and its insurer, The Medical Assurance Co., Inc. Felton asserts that the circuit court erred in granting summary judgment to both Rebsamen and Medical Assurance. We affirm the circuit court’s order.
On December 17, 2004, Felton filed a complaint against Rebsamen and Medical Assurance, asserting a cause of action for wrongful death, including claims of medical malpractice and ordinary negligence, and survival.1 The complaint alleged that Rebsamen “was and remains a non-profit corporation engaged in caring for individuals who are in need of medical care and treatment.” It further alleged that if Rebsamen asserted that it was not subject to suit for tort, “Plaintiff hereby brings a direct action against THE MEDICAL ASSURANCE COMPANY, INC. (“MEDICAL ASSURANCE”), the liability insurance carrier for REBSAMEN, pursuant to Ark. Code Ann. § 23-79-210.”
Rebsamen answered the complaint, admitting that Medical Assurance had provided it with liability insurance coverage at certain times and further admitting “that it is entitled to immunity from damages exceeding its insurance policy limits based on its status as a charitable institution.” It further affirmatively pled that it was “a charitable institution and is entitled to immunity from any damages beyond its insurance policy limits.” Medical Assurance also answered, denying that the circuit court had jurisdiction over it and admitting that it had provided liability insurance coverage during certain time periods for Rebsamen, “a charitable institution.” It further pled, affirmatively, that Rebsamen was a charitable institution and was entitled to immunity from any *475damages beyond its insurance policy limits. In addition, Medical Assurance affirmatively pled that “based on Clayborn v. Bankers Standard Ins. Co., 348 Ark. 557, 75 S.W.3d 174 (2002), no cause of action lies against this defendant and, therefore, the complaint against it should be dismissed.”2
On February 18, 2005, the circuit court entered an order of dismissal without prejudice as to Medical Assurance, based upon Felton’s oral motion to nonsuit his claims against it.3 However, on July 12, 2006, Felton filed a first amended complaint reasserting its claims against Medical Assurance, stating:
6. On December 15,2005, the Arkansas Supreme Court specifically overruled both the Scamardo [v. Jaggers, 356 Ark. 236, 149 S.W.3d 311 (2004)] and Clayborn [v. Bankers Standard Ins. Co., 348 Ark. 557, 75 S.W.3d 174 (2002)] cases in the case of Low v. Insurance *476 Co. of N.Am.,_S.W.3d_,2005 WL 3436667, 8 (Ark. Dec. 15, 2005) (Attached hereto as Exhibit A). In overruling these cases, the Arkansas Supreme Court returned to the statutory interpretation that the “not subject to suit for tort” language in the direct action statute (Ark. Code Ann. § 23-79-210), as being synonymous with a charitable/not-for-profit organization’s immunity from tort liability. Id. at 7.
7. Thus, according to the Arkansas Supreme Court’s ruling in Low, supra, MEDICAL ASSURANCE is a proper party to this action. Therefore, Thomas K. Felton, as Plaintiff herein, adopts, re-alleges and incorporates by reference each and every allegation set forth in Plaintiffs original Complaint together with any and all additional charging allegations set forth herein not inconsistent with ■ the preceding and as if set forth word for word against both REBSAMEN and MEDICAL ASSURANCE.
In its answer to this complaint, Rebsamen admitted this court’s decision in Low v. Insurance Co. of North America, 364 Ark. 427, 220 S.W.3d 670 (2005), but denied the allegations in paragraphs six and seven of the complaint. It further incorporated by reference, “as if set out word for word, its answer to the plaintiffs original complaint, including affirmative defenses, . . . [that] would include, but not be limited to, the affirmative defense of charitable immunity.” Medical Assurance similarly responded and affirmatively asserted that the first amended complaint was barred by the statute of limitations.
On January 31, 2007, Medical Assurance moved for summary judgment in the matter, asserting that Felton’s cause of action against it was time-barred. In its brief in support of its motion for summary judgment, Rebsamen claimed that it was entitled to summary judgment due to its status as a nonprofit, charitable entity, rendering it immune from tort liability under Arkansas law. Felton responded to Rebsamen’s motion, claiming that it had “conditioned its charitable immunity defense” and, thus, waived the defense. He further alleged that because Rebsamen led him to believe his claims were covered up to its policy limits by documents turned over in discovery, Rebsamen should be estopped from asserting that it was immune from the action. In response to Medical Assurance’s summary-judgment motion, Felton claimed that Medical Assurance had waived its statute-of-limitations defense and should be estopped from asserting it. He further asserted that laches should also bar its defense.
*477On March 14, 2007, a hearing was held on the motions for summary judgment. During the hearing, counsel for Felton urged that this court’s decision in Low v. Insurance Co. of North America, supra, should be applied prospectively to cases filed after the date of the decision, December 15, 2005. Midway through the hearing, the circuit court made the following ruling with respect to Medical Assurance’s motion:
I’ve heard enough. Thank you. All right. I’m going to grant your motion for a summary judgment with regards to this. I do think that the Low case does apply. I think that in this particular case there’s no question that the action was filed outside the time limit, so I don’t really think that’s the issue.
I think that the arguments are more so along the lines of whether there’s an estoppel or waiver, but I think that based upon the case law and the cases cited that the — I don’t believe that the court would prospectively apply with Low. I think it has already retrospectively applied Low. So it would, I guess, go against its own rulings if it decides to do that. So I’ll grant [Medical Assurance’s] motion with regards to that.
It later ruled on Rebsamen’s motion, stating:
All right. I think the situation that exists here is one where a party has insurance and there’s no question that they have insurance and that there may be liability on the part of the party, but the issue becomes whether or not the limitations period in the statute or whether a defense in the statute be the one that would be applicable and in this case, what I have not heard is that the argument with regards to charitable immunity does not apply.
So I think that there’s no question under Low that Rebsamen would be immune from liability. So I think that part of the case is easy to decide.
I think the only issue is whether or not there’s been a waiver of that in the answer and I agree that if the first answer had been the only answer in this case that had been filed, then I would be with you on that one because it does not state — or it does not state that it is immune completely.
It just says that it’s immune up to the point of liability, but the problem is that in July of 2006, they file an answer incorporating word for word everything that was filed in the first answer, which basically says that, and then adds in an additional fine saying “and also we assert the defense of charitable immunity.”
*478Now, in asserting that defense, then I have to go back to Low and Low says that basically the hospital is immune unless there’s something that would indicate that the filing of it was not proper and that it is not appropriate —• it wasn’t appropriately raised in the pleading. You know, the waiver may arguably apply. Is it one of those 12(b)(6) motions that should have been raised when the complaint was filed or 12(b) (10) or (8) or whichever one one [sic] may arguably say would apply?
That might be true with regards to the first one, but when they filed a response to the amended complaint and they assert that, then I believe that is timely.
So I’m going to grant their motion for summary judgment with regards to that as well.
An order granting the motions for summary judgment and dismissing Rebsamen and Medical Assurance was entered, and Felton timely filed his notice of appeal.
The first issue to be addressed is whether the circuit court erred in granting summary judgment to Rebsamen. Felton argues that Rebsamen failed to raise the defense of charitable immunity in its answer to his original complaint and neglected to amend its answer until after the limitations period had run with respect to Medical Assurance. He claims that because Rebsamen did not timely amend its pleadings to assert the full measure of charitable immunity as it was obligated to do, it waived the defense. He maintains that Rebsamen misled him to his prejudice and that its actions substantially affected his rights. He further avers that Rebsamen should be estopped from asserting its charitable-immunity defense in that it led him to believe throughout the course of the case that it only intended to claim charitable immunity from damages exceeding its insurance-policy limits. He contends that this court’s decision in Low v. Insurance Co. of North America, supra, should be applied prospectively and that his case should proceed under this court’s prior decisions of Clayborn v. Bankers Standard Insurance Co., 348 Ark. 557, 75 S.W.3d 174 (2002), and Scamardo v. Jaggers, 356 Ark. 236, 149 S.W.3d 311 (2004). Finally, he urges that if all other arguments fail, this court should remand the case for discovery as to whether Rebsamen is a charity.
Rebsamen urges that a reading of its pleadings demonstrates that it consistently pled charitable immunity and that, had Felton acted in a diligent manner in refiling his action against Medical *479Assurance, this matter would not be on appeal. With respect to its answer to the first amended complaint, Rebsamen maintains that it affirmatively asserted charitable immunity, not only incorporating its previous answer, including affirmative defenses, but separately identifying “charitable immunity.” Regarding estoppel, Rebsamen contends that its actions have been neither wrongful nor misleading. It further asserts that it did not take inconsistent positions. As to Low, Rebsamen avers that the circuit court’s finding that it applied retroactively was proper. Finally, it argues that the circuit court did not abuse its discretion in denying Felton additional time in which to conduct discovery.
The law is well settled that summary judgment is to be granted by a circuit court only when it is clear that there are no genuine issues of material fact to be litigated, and the party is entitled to judgment as a matter of law. See Stromwall v. Van Hoose, 371 Ark. 267, 265 S.W.3d 83 (2007). Once the moving party has established a prima facie entitlement to summary judgment, the opposing party must meet proof with proof and demonstrate the existence of a material issue of fact. See id. On appellate review, we determine if summary judgment was appropriate based on whether the evidentiary items presented by the moving party in support of the motion leave a material fact unanswered. See id. We view the evidence in a light most favorable to the party against whom the motion was filed, resolving all doubts and inferences against the moving party. See id. Our review focuses not only on the pleadings, but also on the affidavits and documents filed by the parties. See id.
As already stated, at issue here is whether the circuit court erred in granting Rebsamen summary judgment. It did not. Following this court’s decision in Low v. Insurance Co. of North America, supra, Rebsamen, as a charitable organization, was immune and no longer subject to suit. Because Rebsamen affirmatively pled the defense of charitable immunity, there was no error by the circuit court.
A review of Rebsamen’s pleadings reveals that Rebsamen affirmatively pled its charitable-immunity defense. In its answer to Felton’s original complaint, Rebsamen stated:
4.
Defendant admits that Medical Assurance Company, Inc., has provided liability insurance coverage for Rebsamen at certain times.
*480Defendant further admits that it is entitled to immunity from damages exceeding its insurance policy limits based on its status as a charitable institution. Defendant denies each and every remaining allegation contained in paragraph 4 of the complaint.
18.
Pleading affirmatively, defendant states that Rebsamen Medical Center is a charitable institution and is entided to immunity from any damages beyond its insurance policy limits.
Rule 8(c) of the Arkansas Rules of Civil Procedure provides:
(c) Affirmative Defenses. In responding to a complaint, counterclaim, cross-claim or third party claim, a party shall set forth affirmatively accord and satisfaction, arbitration and award, comparative fault, discharge in bankruptcy, duress, estoppel, exclusiveness of remedy under workmen’s compensation law, failure of consideration, fraud, illegality, injury by fellow servant, laches, license, payment, release, res judicata, set-off, statute of frauds, statute of limitations, waiver, and any other matter constituting an avoidance or affirmative defense. When a party has mistakenly designated a defense as a counterclaim or a counterclaim as a defense, the court on terms, if justice so requires, shall treat the pleading as if there had been a proper designation.
Ark. R. Civ. P. 8(c) (2007). While it does not appear that we have previously addressed whether charitable immunity is an affirmative defense, other states have so held. See, e.g., Isaacson v. Husson College, 297 A.2d 98 (Me. 1972); Grueninger v. President & Fellows of Harvard College, 343 Mass. 338, 178 N.E.2d 917 (1961). We agree and hold that charitable immunity is an affirmative defense, falling into the catch-all provision of Rule 8(c), as it is “any other matter constituting an avoidance or affirmative defense.” Ark. R. Civ. P. 8(c).
We have held that defenses under Rule 8(c) must be specifically pled to be considered by the circuit court. See State Office of Child Support Enforcement v. Morgan, 364 Ark. 358, 219 S.W.3d 175 (2005). A failure to plead an affirmative defense can result in a waiver and exclusion of the defense from the case. See 71 C.J.S. Pleading § 161 (2008). See also 61A Am. Jur. 2d Pleading *481§ 291 (2008); 5 Charles Alan Wright & Arthur R. Miller, Federal Practice and Procedure § 1278 (3d ed. Supp. 2008). Here, Rebsamen clearly pled the defense of charitable immunity.
While Felton urged in his briefs and at oral arguments that Rebsamen should have amended its answer following our decision in Low and pled the defense in accord with the law stemming from that decision, his argument is without merit. A charitable defendant is entitled to its charitable-immunity defense no matter how that defense is defined by law, so long as the charitable defendant affirmatively pled the defense. In the instant case, it is clear that Rebsamen affirmatively pled the defense of charitable immunity, thus, it was entitled to its defense both before and after our Low decision.
Nor are Felton’s arguments regarding estoppel and inconsistent positions valid. The elements of estoppel include:(1) the party to be estopped knew the facts; (2) the party to be estopped intended that the conduct be acted on; (3) the party asserting the estoppel was ignorant of the facts; and (4) the party asserting the estoppel relied on the other’s conduct and was injured by that reliance. See Southern Farm Bur. Cas. Ins. Co. v. Tallant, 362 Ark. 17, 207 S.W.3d 468 (2005). These elements are simply not met in the instant case, where Rebsamen affirmatively and specifically pled the doctrine of charitable immunity, thereby placing Felton on notice of its defense. Moreover, no inconsistent position was taken by Rebsamen, as it has always maintained, since the filing of its initial answer, that it was a charitable organization entitled to immunity.
We further decline Felton’s invitation to prospectively apply our decision in Low v. Insurance Co. of North America, supra. First and foremost, we have long held that our decisions are applied retrospectively — a decision of the court, when overruled, stands as though it had never been. See Flemens v. Harris, 323 Ark. 421, 915 S.W.2d 685 (1996); Baker v. Milam, 321 Ark. 234, 900 S.W.2d 209 (1995).4 In addition, we have previously applied our Low decision retroactively and held that its retroactive application did not result in any unfair prejudice to the appellant in that case. See Sowders v. *482 St. Joseph’s Mercy Health Ctr., 368 Ark. 466, 247 S.W.3d 514 (2007). The same holds true in the instant case.
Here, the retroactive application of our decision in Low is neither unfair, nor prejudicial to Felton, as the decision in Low was delivered on December 15, 2005, prior to the expiration of Felton’s savings limitations period, which ran on February 20, 2006. While Felton claims that this court’s decisions have “whip*483sawed” him, a review of the record and this court’s jurisprudence reveals that not to be the case, where Felton had more than two months in which to refile his claims against Medical Assurance in accord with the law as stated in Low. Our decision in Low did not time bar Felton’s claims at all, and, therefore, we decline to apply Low prospectively.
As his final argument under his first point on appeal, Felton avers that we should remand the matter to the circuit court for discovery as to whether Rebsamen is indeed a charity because he was deprived of any opportunity to conduct discovery on the question. Felton fails to cite to any authority that would permit this court to remand the matter for further discovery. Without such authority, we decline to do so. See, e.g., Searcy Farm Supply, LLC v. Merchants & Planters Bank, 369 Ark. 487, 256 S.W.3d 496 (2007).
For all of these reasons, we affirm the circuit court’s grant of Rebsamen’s summary-judgment motion.
At issue in Felton’s second point on appeal is whether the circuit court erred in granting summary judgment to Medical Assurance. Felton argues that Medical Assurance waived any limitations defense against his claims because Medical Assurance and Rebsamen induced him to believe that his damages would be covered by liability insurance, conditioning Rebsamen’s affirmative defense of charitable immunity as applying only to damages beyond its insurance policy limits. He urges that even though Medical Assurance acknowledged the statute-of-limitations defense in its answer to the amended complaint, it did not fully assert the defense until it filed its summary-judgment motion, the delay of which induced him to believe that Medical Assurance would continue to provide insurance coverage to Rebsamen and that his damages would be covered. Finally, he claims that laches applies because Medical Assurance did not seek relief by way of its statute-of-limitations defense for approximately six months. Medical Assurance responds that it properly asserted the statute of limitations, averring that it did not waive the defense, nor should it be estopped from asserting it or be barred by the doctrine of laches.
We hold that the circuit court did not err in granting summary judgment to Medical Assurance. Just as was the case with Rebsamen, a review of the record reveals that Medical Assurance specifically, sufficiently, and timely pled its statute-of-limitations defense in its answer to the amended complaint. In its answer to *484the first amended complaint, in which Felton reasserted his claims against Medical Assurance, Medical Assurance stated:
9.
It affirmatively asserts the first amended complaint is barred by the statute of limitations.
As was the case with Rebsamen’s pleading of its charitable-immunity defense, we hold that Medical Assurance specifically pled, in accord with Ark. R. Civ. P. 8, its statute-of-limitations defense. While Felton claims that he was induced by Medical Assurance’s actions into failing to amend his complaint until July, his claim has no merit. Indeed, Medical Assurance had been nonsuited and was not even a party to the litigation until it was brought back in by Felton’s first amended complaint. Moreover, once Felton filed his first amended complaint, Medical Assurance clearly and affirmatively pled its statute-of-limitations defense in its answer to that complaint. Accordingly, Felton’s arguments regarding waiver and estoppel fail as they did above with Rebsamen.
Nor is Felton’s argument regarding laches successful. This court has summarized the laches defense by stating that it is based on the equitable principle that an unreasonable delay by the party seeking relief precludes recovery when the circumstances are such as to make it inequitable or unjust for the party to seek relief. See Royal Oaks Vista, L.L.C. v. Maddox, 372 Ark. 119, 271 S.W.3d 479 (2008). The laches defense requires a detrimental change in the position of the one asserting the doctrine, as well as an unreasonable delay by the one asserting his or her rights against whom laches is invoked. See id. Laches is simply inapplicable to the instant case, where Medical Assurance timely asserted its statute-of-limitations defense after being brought back into the litigation, and no unreasonable delay was present. For these reasons, the circuit court did not err in granting Medical Assurance’s motion for summary judgment. Accordingly, we affirm the circuit court’s orders of summary judgment.
Affirmed.
Glaze, J., concurs.
Hannah, C.J., and Brown and Imber, JJ., dissent.