Key legal question
Whether the medical expert report was sufficiently reliable to assess work capacity and disability
Extracted holding
The court held that the expert report was not deficient or contradictory; the insured could work full-time as a secretary with a 20% loss of performance.
Extracted reasoning
The orthopaedic clarification on sternum pain excluded relevant work limitation, and the later medical opinions did not convincingly displace the multidisciplinary expertise.