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.
Gap Insurance Basics
Gap insurance is not an obligatory requirement of insurance or state laws when you buy a car.
Gap insurance provides coverage for the difference between how much you owe on your car, and how much it is worth (Actual Cash Value) at the time of an accident that causes a total loss.
When Is Gap Insurance Useful?
When you have an insurance loss, the insurance company will pay you the actual cash value of the vehicle, this becomes a problem when you owe more money on the car than the car is worth.
A gap insurance endorsement solves the problem by paying out the difference between the amount the insurance company would normally pay in a total loss accident and the amount you owe on the vehicle. Gap insurance is optional coverage.
Gap Insurance Helps Avoid Getting Stuck Paying Money If You Have a Claim
If you have a total loss of your vehicle, the insurance company will only pay the actual cash value (ACV) of the car at the time of loss.
This can be a problem for you when the rate of depreciation of your car, combined with the interest you are paying on your financing or lease leaves you in a situation where the value of the car is worth less than the amount owed on the car at the time of the total loss or claim on your car.
This is a notable problem in the first few years of a new car purchase.
If you have an insurance claim, have a gap between what you owe and what your car is worth, then you could be stuck paying the difference without gap insurance or a gap waiver clause.
Gap insurance protects you from having to pay out of pocket for the gap between the actual cash value of the car and the amount you owe to the leasing company or lender.
Your Car Insurance Company May Offer You Cheaper Rates for Gap Insurance
You can purchase gap Insurance at the dealer, or through your car insurance company by endorsement.
You should always check the rate with your car insurance company before considering the dealer's offer.
You Do Not Have to Purchase Gap Insurance At Your Dealer
The insurance industry is very competitive, there are many options to purchase gap insurance online
Gap Insurance Is Not Just for Leased Vehicles
Gap insurance can be useful for new car purchases with financed or leased vehicles. Many people think that if they are purchasing their car, Gap insurance is not necessary. This is a misconception.
Gap insurance is helpful anytime you owe money on a car and will be paying it off more slowly than it will depreciate.
Gap Insurance Requirements and Your Lease or Finance Contract
Lease agreements are created by individual leasing companies, therefore there is not a "standard lease agreement" that we can say would obligate you to have gap insurance. Some lease agreements and even finance agreements include a gap clause, as explained below.
TIP: Research the contract you are signing before buying gap insurance because you may find out that you have a gap waiver. This varies by the finance company, and lease agreement.
Gap Insurance and Consumer Rights
Generally, gap insurance is not a legal requirement.
However many dealerships or car loan departments may automatically add gap insurance to the buyer's loan. When purchasing a new car you have the right to deny gap insurance. Before you deny gap insurance, though, make sure you don't need it.
When Gap Insurance Is Not Needed
Although gap insurance is highly recommended in many new car purchases, in some cases gap insurance is not needed.
If you have enough cash reserves to cover the gap between the insurance payoff and the value of your car, then you may not need gap insurance. Keep in mind, this leaves you financially responsible for any gap in amounts owed in the event of a total loss.
Check If Your Insurance Company Already Offers a Gap Insurance Clause
Some insurance companies already provide gap insurance or a similar loan payoff type of insurance built into the vehicle's auto insurance policy, so obviously it would make no sense to pay for an insurance policy that you would already have. Ask your car insurance company if they provide gap insurance.
What Is a Loan Payoff Benefit?
Some loan companies offer a payoff benefit in the loan agreement. This means that the loan company will take care of the gap in value.
What Is a Gap Waiver Provision in a Lease Agreement?
If your loan or lease agreement contains a gap clause within the financing contract which releases you from the gap between the insurance payout and amount owed after a total loss then you do not need gap insurance, because there is a gap waiver provision in your finance contract. Ask your car financing department to go over the terms of the contract with you, so you can be sure to understand the clauses. Knowing about this one could save you a lot of money.
How to Refuse Gap Insurance - You Have the Right to Refuse
Before you sign your loan papers, make sure you get an itemized list of everything that is included in your loan payment and make sure you are not paying for gap insurance or anything else that you did not authorize.
Advise your car dealership that you are refusing the gap insurance if you have decided that you don't need it, or have decided to get it elsewhere.
If you still have problems, you can contact your insurance representative or state insurance commissioner for further help in securing your rights to refuse gap insurance.
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