Key legal question
Whether the insured was entitled to AI-funded retraining beyond a Bachelor degree, up to the Master degree.
Extracted holding
Yes. In the concrete circumstances, a Bachelor alone did not preserve earning capacity approximately equivalent to the pre-injury income; AI had to fund the additional training needed to reach the Master degree.
Extracted reasoning
The salary evidence as a whole showed that a Bachelor-level qualification would likely yield income below the insured's former earnings. The court also relied on expert academic testimony that a Bachelor in education was generally not treated as a terminal qualification and that employers typically required a Master. The additional training was therefore necessary and proportionate.