Key legal question
Whether the insured's residual work capacity and resulting invalidity rate were sufficiently established
Extracted holding
The medical opinions diverged materially; the file did not allow the disagreement to be resolved without a judicial expert opinion.
Extracted reasoning
The insurer's doctor and the other physicians differed on the impact of shoulder limitations and manual repetitive work. Because the DPT jobs were manual and repetitive, some loss of efficiency remained plausible, while the insurer's assessment could not be fully discarded either.