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on critical illness, 4.6 per cent of claims were declined due to the definition not being met and 2.3 per cent were due to misrepresentation. .
it also recommends building more secure restrooms and hand-washing stations in areas where homeless people congregate. .
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“contrary to public belief, the majority of claims are paid out and scottish widows should be proud of how many families they helped during such challenging times.” .