Key legal question
Which occupational level should be used to determine the insured person's hypothetical invalid income?
Extracted holding
The invalid income was correctly based on LSE occupational level 3, not level 4, because the insured retained sufficiently broad professional and specialist skills and could still use her nursing experience and further qualifications in suitable work.
Extracted reasoning
Her medical limitations excluded nursing work, but many light jobs remained. Given her long experience, nursing training, and later commercial diploma, the open labor market offered activities requiring professional and specialist knowledge.