Question juridique clé
Whether the insured's 2003 written consent allowed third-party payment of later IV back payments to Zurich Versicherungen.
Solution extraite
Yes. The consent was sufficiently specific and valid despite being given before the pension decision and not on the official form.
Motifs extraits
A Drittauszahlung under Art. 85bis IVV is valid if the future claim is determinable; the declaration referred unmistakably to the claimed IV pension and the amount/period could be determined from the applicable law. The form requirement for consent is at most organizational, not constitutive.