Key legal question
Whether the insured is entitled to an accident insurance invalidity pension from 1 January 2007 based on a 50% loss of earning capacity.
Extracted holding
No. The medically established residual work capacity in a suitable seated job was not fully exhausted by the insured's 50% business activity, and the resulting invalidity rate was only 4.7%.
Extracted reasoning
The court relied on the orthopedic expert opinion accepting full capacity in adapted work. The abstract balanced labor market is decisive, not the insured's actual job prospects or age. With the undisputed valid income and the accepted invalid income, the threshold for a pension was not met.