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richard lipton, md, director, montefiore headache center; edwin s. lowe professor and vice chairman of neurology, albert einstein college of medicine. .
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. .
�long delays can put people under incredible stress at an already difficult time and could also mean that someone�s health could take a turn for the worse. . .