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. .
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. .
the report was compiled by outside researchers who went into the fda�s own database of �serious adverse [medical-drug] events.� .
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