Questione giuridica chiave
Whether the insured person was fully incapable of work due to mental illness.
Decisione estratta
Yes. The medical expert opinion was credible; the insured person was fully incapable of working in the open labour market from January 2003 because of a severe depressive episode with psychotic symptoms.
Motivazione estratta
The Federal Court found no clear error in the cantonal court’s reliance on the bi-disciplinary expert report. The insurer’s objections about social stressors, lack of differentiation, and the diagnosis did not undermine the expert assessment, and the contrary RAD comment did not meaningfully engage with the report.