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speaking on behalf of the family after the inquest, mrs cavanagh's son vincent said the coroner vindicated their need to raise concerns about the way in which their mother was cared for. .
scottish widows' figures were compiled using the abi guidance for calculating claims statistics. .
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.
. we have let patients down, admits senior northern ireland civil servant
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