Questione giuridica chiave
Whether the insured was entitled to a helplessness allowance because she needed lifelong practical assistance.
Decisione estratta
No entitlement existed because the medical and home-assessment evidence showed she could live independently and manage daily activities without third-party support.
Motivazione estratta
The court accepted the psychiatric expert report as reliable, found no material change since earlier assessments, gave limited weight to the treating doctors' brief statements, and held that further home assessment would not yield new decisive findings.