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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"to be honest, that was what i had almost expected," she said.
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"we are calling for the immediate implementation of a statutory duty of candour for the health trusts."
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scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance.