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.


Both buildings and contents policies will provide a separate limit of cover up to a percentage of your sum insured for alternative accommodation costs when you have a valid claim. There is normally a higher amount of cover under buildings cover as the sum insured is normally higher than for contents.
For example, if your buildings are insured for £200,000 and you have a 20% allowance within this policy for accommodation, Insurers will pay up to a maximum of £40,000 per claim for any related costs. In order for this cover to be valid however, it is a requirement that you:
Have suffered a valid insured incident (e.g: fire) that is covered by the policy
The property is uninhabitable for normal living purposes
Uninhabitable = 'unable to be lived in'
Each different Insurer will have its own version of what uninhabitable is however, they are broadly the same and likely to include:
Loss of water supply to the property
Loss of all sanitary facilities (washing facilities / toilets etc)
Loss of heating during winter
Substantial structural damage (i.e: walls / roof etc) caused by a major fire, flood, impact etc
If anyone living at the property has a medical condition that is affected by the damage or repairs being undertaken (this may have to be proven however)
Loss of cooking facilities - however, it will normally be considered if it is possible to install temporary cooking facilities or pay an allowance for alternative eating arrangements before Insurers will consider paying for accommodation in this scenario
If none of the above apply however, you have a medical condition that will be affected by the damage (e.g: damp) or the related restoration / repairs (drying, strip out works, dust etc), if you can provide medical evidence such as a doctors certificate confirming the medical condition and that staying at the property will have a negative impact on your health, Insurers are likely to allow this as a valid reason for them to pay for alternative accommodation costs.
ACCOMMODATION OPTIONS
If the alternative accommodation claim is valid, the policy will provide cover for similar accommodation, up to the financial limit detailed within the policy.
When deciding on the best accommodation settlement option, Insurers will take into consideration a number of factors, the main one being how long the accommodation is required which will have a bearing on the most suitable type of accommodation.
Types of accommodation that can be considered:
B&B or Hotel
When the period of accommodation required is small - days to a few weeks (the cost of a hotel per room can easily be in excess of £3,000 per month per double room).
Private rental or serviced apartment
This is more suitable when repairs are going to be in excess of 3 months as it will usually be more cost effective (even if a minimum 6 months lease is required) and also provides more suitable living arrangements with cooking facilities and more living space.
Staying with friends / family
If this is an option, Insurers will provide you with a cash allowance (this will normally be less than a rental cost).
Caravan
This is not a common method, however, is a suitable possibility if accommodation required to be for an extended period of time and you wish to remain onsite or if there is no suitable accommodation in the area (this can occur when large geographical areas are damaged such as during floods).
Cash Settlement
This can be a cash allowance made to you instead of taking a rental or hotel and gives you the freedom to take a holiday or live at the property despite it being considered habitable
WHAT ARE YOU ENTITLED TO UNDER THIS COVER?
If you have a valid alternative accommodation claim, Insurers are liable for payment of reasonable costs for the accommodation. In addition to this, there are a number of others things that you may be able to claim if you can demonstrate that you have suffered financial loss relating to the claim. These items can easily be included within the claim (as long as your policy does not specifically have an exclusion for it - refer to your alternative accommodation policy wording):-
Additional food expenditure (this frequently occurs when staying at a B&B or Hotel where you have no cooking facilities). Note that you should not include for your normal weekly food expenditure - additional costs only
Mail redirection to the temporary address
Additional travel expenses (if you have had no option but to live further away than your normal location resulting in increased commuting / travelling costs)
Telephone redirection (this becoming less of a requirement due to mobile phones however, if you need a landline for internet etc and the property you are moving into does not have one, you may be able to negotiate this)
Rehousing of your pets (if they cannot stay in your alternative accommodation)
Cost of removal / storage if you are having to move into an alternative property and require large amounts of your furnishings / belongings to be moved or if you need to clear this property from your own home to facilitate repairs
Laundry costs if you are staying in a B&B or hotel
Other considerations:
If you have both buildings and contents insured with different Insurers and you have sustained both buildings and contents damage, each Insurer is liable for contributing to the costs. You can however try to get one insurer to deal and they will then sort the sharing of costs in the background.
You can source your own accommodation or many Insurers now have an accommodation supplier who they can appoint to organise for you - this can save you a lot of hassle and time having to search and obtain estimates which especially useful if you need the accommodation on an emergency basis.
If you have the option to stay with friends and family, consider this option before opting for a hotel or rental and establish what Insurers are prepared to pay you as you may find this offer much more financially appealing and suitable for your own circumstances
On occasion, insurers/adjusters can utilise preferred accommodation suppliers who for a fee, locate hotel/leased dwellings. Alternatively, the Policyholder can make enquiries with local estate agents and submit proposals which can be authorised if deemed reasonable. When we receive the information, a review is completed to establish if this appears to be a consistent rental for area and is like for like in line with Insured's own property.
If you have to move out of your own property, you may be entitled to freeze your council tax as this is not payable when the property is unoccupied - make enquiries with this as soon as possible to ensure that you are not paying additional costs for this when you are entitled to cancel it. When you move back home, you must reinstate your council tax
When the property has been made habitable again, Insurers will expect that you move back home and will cease paying for any accommodation related costs. Therefore, if you want to make some home improvements during the repairs, you may find that Insurers are reluctant to extend your accommodation as this is not covered by your policy and you would be responsible for such costs.
If you are obtaining a rental property, it will be likely that there will be a refundable deposit payable which is commonly the equivalent of a months' rent in advance. Strictly speaking, you are responsible for paying this as it is you who is responsible for looking after the property during your stay. It is however more common for Insurers to pay this if you advise them that you have not got the financial means to pay this deposit - the Insurer has a duty to treat you fairly and will likely agree to pay for it (when returned from the landlord however, the proceeds must go back to the insurance company)
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