Key legal question
Whether the insured's right to be heard was violated by the handling of factual inaccuracies in the SMR report.
Extracted holding
No violation that affected the outcome was shown; any defect was cured and was immaterial to the decision.
Extracted reasoning
The disputed employment fact did not influence the later finding that work capacity only existed from June 2003; any omission was harmless and could be remedied on appeal.