Questione giuridica chiave
Whether the insured's hypothetical status without disability should be assessed as 100% employment or 80% employment.
Decisione estratta
The insured would have worked 80% in gainful employment if healthy; the mixed method therefore applied.
Motivazione estratta
Her pre-disability work pattern, statements to the household assessor, and childcare responsibilities supported 80% employment; speculative restaurant plans did not compel full-time status.