Key legal question
Whether the right to be heard was violated by not allowing the insured to comment on the supplemental psychiatric report before the AI decision.
Extracted holding
The violation existed but was cured on appeal because the cantonal court had full power of review and the insured could be heard there.
Extracted reasoning
The hearing right is formal, but a defect can be repaired before a reviewing authority with full factual and legal review; a remand would have caused unnecessary delay.