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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. .. eng legislation (h 2442) sponsored by braintree rep.. �now we know the astonishing truth that some patients are waiting a year or more just to get treatment. it�s simply not good enough.�. 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..you have successfully subscribed to the breaking news email.