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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. . .
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. .
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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. .
but shocking figures uncovered by labour yesterday show some patients are suffering agonising waits of as many as 541 days to begin treatment. .
"our protocol says if you are suspicious for lyme disease, you start treating", said rusk. .