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when robert had to go on full medical disability in his early 50s after hurting himself at work, helen went back to work, this time in the oil industry. .
james taylor exclusive: 'i could see my heart stretching my skin. i thought i was going to die'
"we are calling for the immediate implementation of a statutory duty of candour for the health trusts." .
scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance. .
"this should not have happened and should never be allowed to happen again to another vulnerable person or their family. .