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.
Buildings insurance – how much cover do you need?
The key to buying buildings insurance is to get the right type and level of cover. Make sure you answer truthfully and accurately when your insurance company asks if there’s anything unusual about your home. If you miss something important, a future claim could be rejected.
Types of buildings insurance
Things to check for when comparing policies
Getting insurance cover for ‘non-standard construction’ houses
How subsidence affects your insurance options
Can you get insurance for an empty property?
Keeping your policy up to date
Types of buildings insurance
?
An estimated 16.5 million houses in the UK have buildings insurance.
Source: AA Average premium data
There are two types of buildings insurance:
Sum-insured
Bedroom-rated
Bedroom-rated insurance
Over half of all buildings insurance policies these days are bedroom-rated.
The advantage is that the insurance company estimates the cost of rebuilding your home based on the number of bedrooms, and they provide a very high sum insured to protect you against under-insurance.
Almost half of these policies have a sum insured of £250,000 or more.
You should still check that the sum insured is sufficient for your needs, by using a recent survey of your home.
Sum insured insurance
You calculate the cost of rebuilding your home. This is the ‘sum insured’.
The sum insured is the cost of rebuilding from scratch including any professional fees – it’s not the same as your home’s market value, which might be higher or lower.
You should use a chartered surveyor to calculate the sum insured, unless you know a lot about building materials and building requirements yourself.
The cost of rebuilding your property will increase over the years, so index-linked policies are best – they update the sum insured to reflect the changing cost of rebuilding. Even so, you might want to have a new survey every few years.
To get a rough idea of what your property might cost to rebuild, use the calculator from the Association of British Insurers (ABI).
Which is right for you?
The choice often comes down to cost versus convenience.
Bedroom-rated insurance is straightforward and you don’t need to worry about not being adequately covered, but you might end up paying more than you need to.
Sum insured insurance is tricky to calculate, but it means you only pay for the cover you need.
Things to check for when comparing policies
Index-linked cover - will the amount of cover increase to meet the increasing cost of building materials?
Unlimited sum insured - with a lot of insurers nowadays, and especially when buying online, the sum insured is set very high and your premiums will be fixed so you won’t be able to reduce the sum insured to get a cheaper premium.
Alternative accommodation - will the insurance pay for you to live somewhere else if you can’t live in your house after it’s damaged – for example by a fire or a flood?
Excess -how much will you need to pay yourself if you make a claim?
Escape of water - are you covered for damage from burst pipes or water tanks?
Home Emergency Service - some policies include cover for heating and plumbing repairs along with other home emergencies as part of their standard policy. For others it’s an optional extra. Shop around because policies vary widely.
No claims discount - will you pay less on your premiums if you’ve gone for a while without making a claim?
Different insurers will provide different levels of cover in their policies - so keep an eye out for where the differences lie and make sure you get the cover that you need.
We’ve put together a list of things to check for when buying buildings insurance.
Getting insurance cover for ‘non-standard construction’ houses
Buyer beware
?
You rarely give the materials used to build your home any real thought – until you try to get an insurance quote and the insurer tells you it’s of non-standard construction.
If your property doesn’t have brick or stone walls and a slate or tiled roof, or it’s especially large or has a flat roof, then it might be classified as non-standard construction – and most standard buildings insurance policies won’t cover you.
These might count as non-standard construction properties:
Listed buildings
Houses with flat or thatched roofs
Timber-framed or timber-clad house
Flats in blocks built out of concrete or with more than five floors
Fortunately, there are lots of insurance providers that will insure non-standard properties – it just means giving a lot more details about your property.
Try searching online for ‘non-standard construction insurance’ or contact an insurance broker who might have access to more non-standard policies.
Don’t be tempted not to tell the insurance company about your home’s non-standard construction or fail to disclose something the insurer asks you about.
If you need to claim, you won’t be covered if you didn’t take reasonable care to answer all the questions truthfully and accurately when you applied for the policy.
How subsidence affects your insurance options
If your area is at risk from subsidence (sinking ground, which can damage buildings) you might have problems getting buildings insurance with most companies. Or you might be stuck with substantially higher premiums.
This is because standard insurance policies are priced by postcode, so you can be affected even if your property has never suffered from subsidence.
Fortunately, there are specialist insurance providers who offer tailor-made schemes for properties that are subsiding or are at risk of subsidence.
Specialist insurers look at the individual property and not just the postcode.
If you’re having trouble it’s worth contacting them to make sure you have the right cover.
The Association of British Insurers recommends that you use a specialist broker to find insurance for a property at risk from subsidence.
Can you get insurance for an empty property?
Typically, insurance policies won’t cover an unoccupied property. Properties usually count as unoccupied if nobody lives in them for at least two months.
You could be caught out if:
you’re away on a long holiday
you’re working away from home
the house is being renovated, or,
the house is waiting to be sold or let
the owner has died or been taken into care
the property is a holiday or second home - these need a specialist insurance policy and you must tell your insurer that it’s not your main home.
If the property’s going to be unoccupied you must contact your insurer.
Most will extend the time limit to three months if you let them know in advance and agree to some conditions.
For example:
turning off the water
improving the security
having someone drop in to pick up the post.
If you don’t contact them, you probably won’t be able to claim if you come home to find the building is damaged.
If you’ll be away for more than three months speak to a specialist insurer, as they might be able to help.
Types of specialist policy for empty properties
Specialist unoccupied property insurers often offer:
Full peril building cover (covering all the usual suspects like lightning strikes and subsidence), without contents insurance – they assume you’ve removed all the valuables from the house. Fixtures, fittings and white goods are covered.
Second-home policies which cover contents up to a certain amount.
It’s a good idea to use a specialist brokeropens in new window to find insurance for an unoccupied property.
Keeping your policy up to date
Keeping your policy up to date makes sure you have enough cover – for example, if you add a conservatory or an extension, your property will cost more to rebuild.
So long as your policy is index-linked or bedroom-rated with a high sum insured, it should keep up with increases in building material and construction costs over time – check this carefully before you buy.
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