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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. .
"this should not have happened and should never be allowed to happen again to another vulnerable person or their family. .
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. .