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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.

Auto insurance rates in Texas increased—on average—a moderate 1% across the 12 largest car insurance companies in the state. However, some companies did register significant rate changes, the most notable being the 8% decrease from the State Farm group and the 9% increase from the Nationwide Corporation. Auto Insurance Company DWP ($mm) Approved Rate Change % 2017 Loss Ratio % State Farm Group $3,563 -8% 80% Berkshire Hathaway Group $2,638 7% 90% Allstate Insurance Group $2,363 0% 69% Progressive Group $2,041 0% 70% Farmers Insurance Group $1,843 5% 68% United Services Automobile Association Group $1,713 2% 90% Liberty Mutual Group $1,196 7% 86% Texas Farm Bureau Mutual Insurance Group $693 3% 78% Consumers County Mutual Insurance Company $542 4% 87% Nationwide Corporation Group $473 9% 67% American Family Insurance Group $33 7% 79% Travelers Group $28 0% 68% Top 12 Companies $17,125 1% 79% Aggregated rate changes are shown year to date as of October, source: S&P Global The size of rate increases was much lower this year compared to the previous two years, which averaged 9% year-over-year in rate hikes. Most of the rate hikes among the largest carriers were often in the double digit percentages in the two previous years. These coincided with some of the highest loss ratios—which represent the claims insurers pay out as a percentage of the premiums they receive—of about 81% in 2016-2017 vs. 69% from 2013-2015. The one exception was the Travelers Group—the 12th largest in Texas with $28 million of direct written premiums—which did not register any rate change approvals for the past three years. From 2013-2015, it had one of the lowest increases in auto insurance costs in Texas. Select Highlights from Approved Rate Filings in Texas in 2018 Beginning in the first half of 2018, Allstate reclassified widows and widowers as married when calculating auto insurance rates. Insurers typically apply a marriage discount for married couples. Widowed individuals, then, would appear to lose the discount and be penalized. With this update, the marriage discount will be reinstated for widowed drivers in Texas. Nationwide was also approved for a request to simplify its insurance score reports in Texas, effective November 2018. It previously calculated rates based on the driver in the household with the best score report, but now it is only using reports for the primary insured driver and their spouse. For drivers in a typical nuclear family with teenagers, this likely won’t have much of an impact. If the policyholder’s driving household had people with better score reports, however, then they might see an increase in their rates based on this factor. Select Highlights from Rate Filings Submitted but Not Yet Approved in Texas The Chubb family of insurance companies submitted a request in October 2018 to recoup the cost of the auto theft prevention fee. This is a fee that Texas levies on each carrier for each motor vehicle it insures each year to fund grants for local law enforcement to reduce car theft. While other insurers may have already passed this along to their policyholders, Chubb is requesting this be effective Oct. 5, 2018. Chubb policyholders may see a $2 surcharge on their premiums should this go into effect. Dairyland County Mutual Insurance Company of Texas requested in September a rate increase of 3%. The insurer estimates that this would impact nearly 40,000 policyholders, with an average premium increase of $36 if approved. The carrier is also adding one ZIP code that was previously missing in its coverage area: 75072. Drivers living in that area of McKinney, Texas, will now have an additional carrier for their quote comparisons. What Should Consumers Do When Their Rates Increase? One of the best things drivers can do is to compare quotes from different insurers. This gives consumers optionality and lets them choose which premium makes sense for their budget. While it takes time to get a quote, increasing the number of companies you quote from increases your chances of not overpaying for the same coverage. We also recommend updating your profile and circumstances with your existing insurer to see if you're eligible for savings. Newly married couples in Texas can combine insurance under one policy to become eligible for marriage and multiple car discounts. New membership at a professional association can also mean a reduction in premiums with some insurers. Unfortunately, there are larger factors in insurers' rates that are out of consumers' control in the Lone Star State—even if they didn't submit claims. Insurers raise rates for a number of reasons, whether it’s to cover more payouts and higher claims from your neighborhood or because there’s a higher risk of car theft in the area. By comparing quotes and updating your information for discounts, drivers can help manage their own car insurance costs.

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