elizabeth loder, md, professor of neurology, harvard medical school; chief, division of headache, brigham & women's hospital. .
of the life claims declined, 0.85 per cent were due to mis-representation and 0.16 per cent due to the definition of terminal illness not being met. .
the report was compiled by outside researchers who went into the fda�s own database of �serious adverse [medical-drug] events.� .