Key legal question
Whether overtime compensation had to be included in the insured's valid income for calculating the disability degree.
Extracted holding
Only income that the insured would probably have continued to earn can be included; on the facts, future overtime pay was not shown with sufficient probability.
Extracted reasoning
Past overtime payments alone were insufficient. The employer's statements, increased workforce, higher productivity, weaker economic conditions, and earlier short-time work all made continued overtime earnings unlikely.