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.
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A person who drives a red sports car is likely to have a higher premium than someone who drives a minivan. And novice teenagers generally pay more than adults who have more years behind the wheel. That’s because auto insurance companies are allowed to charge different prices to different groups, as long as they have data to prove that one group is higher risk.
But some critics say that single drivers are unfairly charged more than their married counterparts, and that a so-called “widow’s penalty” punishes drivers who spouse's have died.
A 2015 study by the Consumer Federation of America found that most major auto insurers charge policyholders different prices based on marital status, and when a spouse dies, the surviving partner will usually see rates go up. The study found that at most major insurance companies, rates are almost always higher for single, separated and divorced drivers than for married drivers, and that the price differences seem to exist at all age levels.
Married drivers can save on car insurance
“Generally speaking, if you’re not married, your auto insurance is going to be about 20 percent higher, even if you’ve got a perfect driving record,” says Doug Heller, insurance expert with the Consumer Federation of America.
The Consumer Federation found that based on testing around the country, premiums jumped by an average of 20 percent for people who told their insurance companies that they were widowed.
“It’s not consistent across the country and from company to company, but often times we see higher increases for people who are single, and even higher increases for people who are single or divorced,” Heller says.
RELATED: Learn the Facts About Teen and College-age Drivers
Some industry experts defend the practice as being a function of risk assessment. Michael Barry, spokesman for the Insurance Information Institute, explains that insurers take into account a host of factors when determining an individual’s premium, and that being single doesn’t instantly produce high rates.
“Marital status is one of dozens of state insurance department-approved variables that an auto insurer uses when pricing a policy, so no driver needs to get married in order to reduce their auto insurance costs,” Barry says.
He explains that auto insurers also offer low-mileage discounts, as well as discounts to drivers who successfully complete defensive driving courses. A clean driving record and solid credit score can also help lower insurance costs.
Auto insurers offer discounts to married drivers because a driver’s marital status, to many insurers, is indicative to the probability that a driver will file a claim, Barry says.
“Insurers use underwriting criteria that directly correlate with losses,” he says.
States fight insurance penalties
Some states have come out to take a stand against the so-called widow’s penalty. In September 2015, Pennsylvania’s insurance commissioner issued a statement announcing she would not approve auto insurance policies if the insurer cannot provide “statistical support for including widows and widowers in the higher single rate category.”
Also last year, Delaware’s insurance commissioner came forth with a similar announcement a few weeks later.
CHECK OUT: Find the Minimum Car Insurance Requirements in Your State
California actually addressed the issue back in 1988, when the state passed a ballot measure to rein in excessive auto, homeowner and business insurance premiums.
Under the measure, the No. 1 insurance rating factor is supposed to be the insured’s driving record, followed by the number of miles the person drives annually, and then by years of driving experience, explains Barry P. Goldberg, a personal injury attorney in Woodland Hills, California.
“For an elderly widow, the fact that she’s a widow or single is almost a non-factor,” Goldberg says.
What determines a risk classification?
In terms of legality, the question is whether the discounts directly infringe on an individual’s rights, says Peter Kochenburger, executive director of the insurance law program at the University of Connecticut School of Law. He explains that proposed risk classification must meet two criteria:
Is the classification actuarially justified?
If so, then does the classification offend or violate public policy, such as a proposed classification that would violate civil rights.
“Pretty much every state has the ability to question a classification and whether it is actuarially justified,” Kochenburger says. “The next step is if it is, should it be allowed?”
To get around this scenario, consumers can shop around for insurers that will not penalize you, as not all of them do. “It’s important to keep in mind that auto insurance is a highly competitive business, and most people find that they have an array of policy options at various prices to choose from,” Barry says.
But Heller contends that consumers can be even more effective by making their concerns known to lawmakers.
“What will really make the difference is putting politicians on alert that we don’t like this practice,” he says.
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