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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. .
written reports, including local media accounts, professional medical papers and internal emails were also examined. .
the school in yarmouth that year had a low opt-out rate � 2 percent, the superintendent said � so there was a cap on the amount of disruption an illness could cause. .