Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
Knowing what to expect and what you need to do when you have a major claim like a disaster will make a big difference in how quickly you get paid and back on track to your normal lifestyle.
Disaster claims are the most stressful types of claims because you are not only under extreme personal stress due to your loss, but a disaster claim like a tornado or hurricane usually involves a large group of people who are suffering similar losses and so the insurance company claims teams can also be short of staff or overloaded.
Know Your Policy to Get the Most Out of a Claim Settlement
Your policy has several provisions in it that are laid out in the wording of the policy that is normally attached to your insurance policy declaration page. All of this can be really confusing in itself, but when you have a claim, it is often very difficult to manage all the different aspects required to get your claims payment, so this list of what to expect will help understand:
what happens at the different stages of an insurance claim
what you need to do
how to understand the payments you may get along the way before your claim is settled and you have that final cheque
The goal of the insurance policy is to get you back in the position you were in before the loss as quickly as possible. Keeping communication open and up to date with what is required at every step of the way will help the claims process go as quickly as possible. This comprehensive guide will help.
01 Your First Step in a Claim Is to Call the Insurance Company
Home destroyed after major disaster claim
•••
The biggest mistake you can make when something goes wrong with your home or personal property is to delay in calling the insurance company. A lot of times people forget that the whole reason you have insurance is to protect and help you. When a claim happens, that's when your insurance professionals are ready to help.
Many people don't call because they assume something is not covered, hope that they can fix the problem themselves, or don't want the insurance company involved because they feel like it will be a hassle. Don't make this mistake.
Even if you think something may not be covered, you are better off to have on record that you advised your company so that if anything comes up in the future, you've done your part to fulfill the requirement of your insurance contract.
Why You Need to Call Your Insurance Company Right Away in a Claim Situation
To find out what you will get compensated for.
If you have a deductible to pay and if the cause of the claim is an insured or covered peril.
Your insurance policy contains a clause in which you are agreeing to advise the insurer any time there is a material change in risk or liability risk. Potential damage to your home or others property that is your fault fits this description. Not following the insurance contract puts you at risk of nullifying your insurance. This is the last thing you want to do.
Your insurance company has expertise that can help. Sometimes a claim can happen and seem fairly straightforward to you, but the insurance company specializes in disasters and claims and has the expertise of an entire industry behind them to understand the real implications of damage.
Example of Claim Where Insurance Company Involvement Will Save You Money
One example is water damage. Aside from there being several causes of water damage that aren't always clear, even when the cause of damage seems clear there can be additional problems to address.
Sometimes people get water damage from a leaking pipe, they clean it up, have a plumber repair it and figure it is all taken care of. Although the plumber is an expert at repairing the leak, they will not consider the amount of water that has leaked into your floor and wall, do humidity tests, or ensure no mold appears. An insurance company will do more than just clean up the spilled water, they will provide an insurance trained professional to assess the situation and give you guidance to help prevent long-term damage. They may even give you tips on how to prevent further damage.
Mold is not covered by insurance, so in this example, not having the right advice from the start would cost you thousands of dollars, and may even make it difficult to get insurance later or have your insurance canceled for not doing repairs.
Getting Professional Help With a Claim
Dealing with disasters is really stressful, having your broker or agent, and a claims team helping you will make sure you do not deal with things alone.
You pay for insurance, so when you have a claim, this is when you need to get your money's worth.
02 What to Do as Soon as Damage Happens in Your Home
Woman calling for help during claim emergency holding toddler
•••
At the time of the claim, when the loss is happening things can be a little chaotic. What you need to remember is you have three responsibilities as things are happening, or have just happened and you need to do them in the order that makes the most sense to keep yourself safe in the process. Aside from calling the insurance company right away, this is what you have to do:
Prevent further loss
Salvage any items you can
Photograph and videotape the damage as soon as you can to provide this as additional proof of loss.
Do not throw anything away. Your insurance company has a right to see the items if you expect to be compensated.
For example, water is coming into your home from the roof. Prevent further loss by moving items out of the path of the water. If the water has damaged something, move it out of the way, but do not throw it in the garbage. You are preventing further loss by taking these actions and preventing further damage by moving items out of the way.
However, if the situation is dangerous, for example, a tree crashes through your roof, and you see that the tree could cause a roof collapse, it is not reasonable to put your life at risk to try and save a table and chairs.
Keep yourself and your family safe, and call for help.
Additional Tips to Prepare for Making the Claim and getting Reimbursements
If you incur immediate expenses to protect your property, keep the receipts and document everything if you want to get compensated.
Emergency expenses may be reimbursed, but non-urgent work and unapproved repairs may not be.
The insurance contract provides clauses that as part of the insuring agreement you can not take on work without the insurance company's approval, so be very careful to not make any commitments or hire contractors before having the insurance company weigh in on your actions and approve them.
Example When You Won't Get Paid in a Claim
Wind causes a tree to fall and damages property, you call in a crew to take care of the mess and when it's all done you send the bill to the insurance company thinking it will be reimbursed.
The insurance company was not given the opportunity to assess the damage, cause of loss, or the work required, therefore they would not likely pay you.
If you call them before you take any action, they will take control of the situation and guide you on the steps so that you can get paid. They must always be involved if you expect them to pay the costs.
03 Will the Insurance Pay for Relocation and a Place to Live?
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•••
If the cause of the loss is covered by your insurance, and your home is made uninhabitable by the loss, then Additional Living Expenses (ALE) coverage, included in your home policy will pay for temporary living expenses that exceed the normally incurred living expenses.
What Is Covered by Additional Living Expenses?
Even if you do not move out of your home, you may have some additional living expenses. Coverage typically includes:
Eating out
Temporary installations of communication lines
Rent
Additional transportation costs, or anything that is reasonably costing you more money because of the claim.
This is a very tricky coverage, so make sure to fully understand how it will be paid. Ask your representative what the limit is for your ALE, and get the approval of the insurance adjuster for long-term accommodations. Be sure you understand how much you will get paid. They will only pay for the actual costs of the loss.
04 Meeting the Adjuster and Who Does What at the Insurance Company
couple providing documents for new home with agent
•••
Once you call the insurance company they will assign an adjuster to your case and send you a proof of loss form to fill in. You can read more about the proof of loss in point number 5 below.
What Does an Insurance Adjuster Do?
The insurance adjuster is the person who is put in charge of working with you to settle your claim. The insurance adjuster is a professional who is trained in settling losses and assessing damage. They will report what they see to the insurance company, determine what work needs to be done to repair your home, and review your proof of loss items list.
Your agent or broker will not be making decisions on what is paid in a claim, the adjuster will. Your insurance agent or broker can help you if you need to understand your coverage better or your policy wording.
Some things the adjuster should review with you:
Additional Living Expense allowance
Deductible
Debris removal
Storage of items (if required)
Questions about proof of loss inventory list
Outline what the steps will be in the claim and what to expect
Your adjuster will look at the actual loss and ultimately, after investigation, will decide the cause and what is covered.
Can You Get a Partial Payment Before the Claim Is Settled?
The adjuster may be able to grant interim claims payments for partial expenses to help get you on track. Make sure and ask about this, so you know what to expect.
You want to make sure to have good communication with the claims adjuster as they can be a source of help and guidance to getting the claim closed quickly.
05 Making Your List of Loss Items and Figuring Out Proof of Loss
Woman making a list of claim loss items to get insurance claim settlement
•••
Aside from the damage to your building, you will want to make a claim for all the personal items, and contents in your home that were damaged. This is probably the most daunting task for people in a loss.
Having a home inventory filled in, or photos and other records prepared in advance really helps. You can get a free home inventory form to help you do this here.
It is not enough to just say you had things, you will need to document and itemize a list (within reason) to "make your claim".
You may be asked for the details below for each loss item:
Item description
Room it was in
Cost at time of purchase (Be careful, if you got the item at a 50 percent off sale, you might want to specify because that item is surely not at 50 percent off at the time of your claim) Speak to your adjuster or insurance representative about these kinds of issues.
Receipts where available
Condition of the item if applicable. For example, used, new, etc. You should ask your adjuster about this.
Replacement Cost if you have this coverage, (see number 8 below) — What it will cost you to replace the item.
If you do not have the receipts for the items, you will need to do some research to find out the values so you can make your claim.
You can research values of items online by checking store websites, finding comparable items. Even in cases of actual cash value, check online for the same item being sold used. This may help you understand the values.
The adjuster will review your list and the values assigned. Will check for any special limits, then compare this with your basis of claims settlement agreement in your contract, explained in point number 8 below. From this, the amount you will get compensated in the claim will be determined.
If you feel that something is off and you have evidence based on research, then you should feel free to ask the adjuster about this. In major losses, these lists are extensive and are hard to properly document, pay attention to the details and keep open discussion.
Fill in your proof of loss as soon as possible. Until this is filled in and submitted your claim will not be completed.
06 Reconstruction, Bylaws and Contractor Claim Questions and Concerns
Woman talking with home contractor
•••
Reconstruction of your property can be very difficult to manage. We've covered the varied costs of reconstructing after a claim, but these are two important ones to be sure and take note of:
By-laws and Reconstruction Costs
You will want to make sure you find out about any additional costs like by-law coverage that may impact the amount of money you will need to pay for reconstruction, versus how much your insurance company covers. If for example, a new bylaw indicates that your home needs to be rebuilt to new code, and your insurance does not cover by-laws, then you might end up getting stuck with part of the bill. Insurance policies can include by-law coverage. Discuss this with the adjuster if there are concerns.
Contractor Costs Must Be Approved by Your Insurance
You will likely get several estimates from contractors when trying to repair or rebuild your home. You must have your insurance company approve costs before proceeding to the work or committing to a contractor. This guide from the Insurance Institute is a helpful resource when managing your claim.
07 Special Policy Limitations and Insurance Claim Payouts
swimming pool and vase with tulips - understanding special insurance limited items
•••
Every insurance policy contains basic coverage as stated on the insurance declaration page, but then also contains numerous guidelines and clauses within the policy wording about limitations on items of high value and other related items, like cash in the home, landscaping, collectibles, sports equipment, etc.
When you have items that your home insurance policy contains limitations for, you may not get paid full value for the lost items, but instead will only get paid up to the policy limit. The policy limits and conditions vary by insurance company, so you will want to find out from your own insurance company exactly what is limited and how this will impact your claim payout.
Example of How Special Policy Limits Can Reduce Your Claim Payment
For example, You have a $10,000 watch and $1,500 of cash that was lost in your claim.
Your policy has a $5,000 jewelry limit and $500 cash limit.
You would want to claim $11,500, but because of the policy limits, you would only get the maximum of the policy limit, which would be $5,500. That's significantly less than you would have been expecting if you didn't know your limits.
Keep in mind, when you have items of value that exceed special limits, for many of them, you can schedule the items, or add a rider to the insurance policy before a claim happens and this can make sure you are adequately protected.
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