Kernrechtsfrage
Whether the insured's hypothetical status without disability should be assessed as 100% employed or 80% employed and 20% household work.
Extrahierter Entscheid
The insured would probably have worked 80% in gainful employment and 20% in household tasks.
Extrahierte Begründung
Family duties had diminished as the children grew older, but the household, education costs, and mortgage burden made a full-time status unlikely. The employer's theoretical willingness to offer 100% was not decisive.