I feel the cause is when the stock material has rolled in patches on the stock material. The metal is past the normal heat stage and gets cold rolled on to the stock material. The metal displaced and stretched during the rolling process. Well these rolled in metal onto the cold stock, when they are cut into blanks, the metal gets cut. If it is real loose, it could fall off there. But in most cases it is loosened during the setup process but stays on the planchet. After being struck and the metal moves a bit, then it will fall of later off the coin. So it more than one issue, but three.
1. The lamination are cut off ding blanking. (Staying attached, or fall off then)
2. During the upset process to turn the blank into a planchet, the proto rim is added. This can loosen a lamination or keep it in place.
3. During/after the strike the metal can move off the coin. Leaving a void with a ghost image of the devices/design that fell off the coin.
Pre-strike lamination fall off before turning into a coin:


These show weakness because of the lack of the full metal stock. Thus the strike will be weak
Post strike lamination:
After the strike, if the metal was all there for the strike, the struck.loosened metal can move'fall off leaving a ghost image of what was there before the peel:




Note the ghost images after the lamination peeled?





Attached lamination:

1. The lamination are cut off ding blanking. (Staying attached, or fall off then)
2. During the upset process to turn the blank into a planchet, the proto rim is added. This can loosen a lamination or keep it in place.
3. During/after the strike the metal can move off the coin. Leaving a void with a ghost image of the devices/design that fell off the coin.
Pre-strike lamination fall off before turning into a coin:


These show weakness because of the lack of the full metal stock. Thus the strike will be weak
Post strike lamination:
After the strike, if the metal was all there for the strike, the struck.loosened metal can move'fall off leaving a ghost image of what was there before the peel:




Note the ghost images after the lamination peeled?





Attached lamination:






























