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.
We looked at Hartford's (AARP) sample premium rates and compared them with all other companies in New Jersey to give consumers a look at insurance costs across four separate demographics. Based on the data, it's clear that AARP is very competitive on price with the average industry competitors. However, if you're 50 or above, we suggest giving the Hartford a second look beyond price considerations - there are a number of supplemental and useful features that the AARP has added to the Hartford's standard policy to augment the lives of seniors. We always suggest getting multiple quotes in order to understand who is able to provide the cheapest rate in your area. Enter your zip code to start shopping for great rates among the top insurers in the U.S. and click through to get a quote.
Find the Cheapest Auto Insurance Quotes in Your Area
Zip Code
Currently Insured?Find Insurers
The Hartford / AARP Auto Insurance Policy
The AARP auto insurance program at the Hartford is well-tailored to senior lifestyles, and includes additional accommodations for the group such as RecoverCare and a fixed 12-month car insurance premium. For reasons we'll cover below, we've rated AARP / the Hartford as the best auto insurance company for older drivers.
RecoverCare and Other Benefits for Seniors
One of the most thoughtful features in AARP / Hartford's policies is a benefit called RecoverCare. RecoverCare provides protection above and beyond the standard auto insurance policy that considers the needs of older adults. After a car accident, daily chores or tasks can become even more difficult for seniors. Buying groceries, cooking and cleaning, and mowing the lawn would be harder for anyone recuperating from an accident, and especially so for older adults. RecoverCare helps to lighten that burden by covering necessary home services help for a period after an incident. While availability and benefit levels can vary by state, insureds could get up to $2,500 covered for six months. This is great peace of mind for seniors, caretakers, and their families that lessens the psychological and financial impact of accidents.
Another noteworthy feature is their twelve-month rate guarantee. Most auto insurance policies lock rates in for six months, but the AARP / Hartford program does it for twelve months. This means a stable and predictable expense that seniors can better manage against their fixed pensions and retirement income.
Lack of Communication in Claims Settlement
While the Hartford received an above average rating from JD Power & Associates, customer comments and reviews reveal a somewhat different story. In a survey, policyholders report being unsatisfied with how the Hartford handled their claims. The primary concerns from customers are poor or disorganized communication and a delay or lack of thorough claims investigations. Some customers share that they have to take the initiative in following up on the status of a claim as some appraisers forget to call back in the timeframe they offer.
Furthermore, policyholders should remain on top of payments and bank accounts. Missing a payment, as with other insurers, is grounds for policy cancellation. Certain clients expressed concern that payments continued to be processed from their bank accounts after cancellation, or that other mishaps occurred with updating banking or credit card information.
Company Awards - 2013
In a recent survey from JD Power that takes a look at customer service marks at auto insurers, Hartford finished towards the top in a number of states and regions. Here's a look:
California - 3rd place
Florida - 2nd place
Mid-Atlantic - 2nd place
New England - 3rd place
Northwest - 2nd place
Southwest - 2nd place
The only company who won more awards in this particular study was State Farm.
Insurer Ratings
Metric
Rating
AM Best Financial Strength Rating (the Hartford)
BBB+u *
JD Power & Associates Rating
4 out of 5 (Better than Most)
Complaint Ratio per Vehicle - the Hartford (NJ, 2012)
1 / 18,598
Complaint Ratio per Vehicle - the Hartford (CA, 2011)
2 / 254,417 (Above Average)
As of August 2013, the Hartford's ''AM Best Financial Strength Rating" of bbb+u was under review by AM Best.
AARP / the Hartford Insurance Discounts
Auto insurance from the AARP carries with it a variety of benefits that you should know about as a policyholder. One example is accident forgiveness. The Hartford will waive any increase in premium associated with your first accident as long as you have a clean driving record over the past 5 years. Another benefit offered by the AARP Auto Insurance Program from the Hartford is 'New Car Replacement'. This clause stipulates that if you total your automobile within 15 months or 15,000 miles of your purchase, the Hartford will pick up the tab for the entire cost of replacing your vehicle (same make, model, and year). You'll also be eligible for additional discounts on your monthly insurance bill if you are a safe driver or undergo additional driver training. The AARP even has their own program called the AARP Driver Safety Program that is recommended for all policyholders. Completion of the program makes you eligible for discounted rates over the next 36 months.
Discount Type
Max Discount Amount
Airbag Installation
10 - 20%
Anti-Theft Devices
5 - 15%
Anti-Lock Braking System
5%
Multi-Vehicle Policy
20%
Multi-Policy Credit
7 - 16%
Persistency Credit
2 - 8%
Source: California Department of Insurance 2013 Automobile Premium Survey
How to File a Claim
The Hartford's claims line is open 24 hours a day, 7 days a week. To contact someone at the Hartford, follow the below prompts:
Phone Number: 800-243-5860
Speak to a Person:
Press 1 for new claims
Press 1 to indicate glass only
Press 2 for general damage to the car
Customer Service
The Hartford / AARP's customer service line is open from 7am - 11pm ET on the weekdays, and 8am - 6pm on the weekends.
Phone Number: 888-808-5254
Speak to a Person: Press 0 for customer service
About Hartford / AARP Auto Insurance
The AARP, or what used to be known as the American Association of Retired Persons, offers a multitude of insurance products through its insurance partner, the Hartford Group. AARP's roots date back to 1958 when it was created by a former PhD professor from California as a non-profit, membership organization for people who are 50 and over. Today, there are over 38 million AARP members throughout the country
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