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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. .
in the past, the uk established voluntary car-free zones, but it may have to legally enforce the boundaries through to comply with eu law. .
mr mcgurgan said that mrs cavanagh "died alone" after suffering a terminal collapse and fell from her bed while "the cot sides were down". .
scottish widows' figures were compiled using the abi guidance for calculating claims statistics. .
mr mcgurgan found that one nurse had added to her original account of what had happened on the ward on the morning of july 16, 2016 to state that "the cot sides were up".
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