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.
A total of 32 companies were approved for auto insurance rate changes effective in October in New York. In aggregate, the insurance companies estimated a $43.5 million increase in written premiums, with over 2.3 million drivers impacted. Assuming the increases were evenly spread, each affected driver in New York would pay $18.55 more in premiums a year.
Summary of rate changes effective starting October 2018
Amica and Ameriprise led the pack of the 32 carriers, with the highest overall rate impacts of 19.9% and 14.9%, respectively. At the other end of the spectrum, GEICO and Preferred Mutual were approved for rate decreases for their customers, although the magnitude was very small: -0.6% and -0.1%. The average rate change across the 32 insurers we surveyed was 5.8% for October.
Insurance Company Written Premium Change ($000) % Difference Policyholders Affected
Amica P&C Ins Co $1,155 19.9% 3,566
Ameriprise Ins Co $3,502 14.9% 9,724
Utica Mutual Ins Co $317 11.9% 1,678
Utica National Ins Co of Texas $1,616 11.6% 8,066
Country-Wide Ins Co $19,068 10.7% 55,967
Maidstone Ins Co $2,110 9.9% 9,309
Cincinnati Ins Co $1,382 9.9% 6,121
CSAA General Ins Co $1,215 9.9% 9,660
Maidstone Ins Co $209 9.2% 998
Amica Mutual Ins Co $7,343 8.7% 47,498
Nationwide Affinity Ins Co of America $12,980 8.5% 66,968
Old Dominion Ins Co $1,774 8.4% 17,338
AIG Property Casualty Co $1,641 6.3% 5,096
Citizens Ins Co of America $86 5.0% 659
Electric Ins Co $481 5.0% 6,250
Hanover Ins Co $10 5.0% 67
Main Street America Protection Ins Co $1,050 5.0% 15,608
Massachusetts Bay Ins Co $44 5.0% 356
Mercury Casualty Co $627 5.0% 8,574
Utica National Ins Co of Texas $778 5.0% 9,317
Utica Mutual Ins Co $184 4.8% 2,935
Nationwide Ins Co of America $2,018 3.4% 24,354
Esurance P&C Ins Co $568 2.5% 11,430
Metropolitan P&C Ins Co $267 1.0% 19,509
Metropolitan Casualty Ins Co $434 0.8% 25,869
State Farm Fire and Casualty Co $174 0.1% 69,441
State Farm Mutual Automobile Ins Co $1,567 0.1% 1,196,866
Metropolitan Group P&C Ins Co $1 0.0% 77
Pacific Employers Ins Co $0 0.0% 3,630
Preferred Mutual Ins Co -$32 -0.1% 47,318
GEICO General Ins Co -$14,913 -0.6% 537,206
Government Employees Ins Co -$4,115 -0.6% 125,535
Show All Rows
Notable changes for Amica customers (effective Oct. 2018)
Amica Property & Casualty Insurance Company submitted its rate filing to the New York Department of Financial Services at the end of last year and obtained approval in June 2018. Changes were effective Oct. 1, 2018, for its new and existing policyholders in the Empire State. The new increase is expected to span 0.2% to 39.1% across the roughly 3,500 policyholders impacted, for an average of $324 per policy.
Not all news was bad, however. The company implemented more generous discounts for some of its policyholders.
Amica added a new 9% discount for customers with auto, home and umbrella insurance with Amica. New York customers who qualify for this discount can get an additional 3% off (for a total of 12%) if they also have two life insurance policies with Amica. Additionally, Amica introduced a new 3% discount for prospective customers who own a house or condo that is currently insured with competitors. Should you have auto and homeowners insurance in New York with Amica, that discount increases to 8%.
The company also raised its Paid-in-Full discount from 2% to 4% to further incentivize customers to abandon their monthly payment plans. The last discount news of note was Amica's revision of its definition of Good Student Discount. It replaced "at least 16 years of age" with "a licensed driver." Rate tables show the discounts beginning for 17-year-old drivers, which means that 16-year-old licensed drivers may no longer qualify.
The New York Department of Financial Services also clarified in this rate filing that Amica had to re-underwrite customers based on credit reports if requested within a 36-month period. The insurer had previously noted it would re-underwrite every three years. The timeline for this implementation is under discussion. We'd highly recommend any customers with improving credit to request that updated scores be factored into their new rates. If other base rates or circumstances haven't changed, this might save customers money on their auto insurance costs.
Notable changes for Ameriprise customers (effective Nov. 2018)
Ameriprise Insurance Company increases will be rolled out for both new business and existing New York customers renewing their policies on Nov. 4, 2018. In their actuarial memorandum, the car insurance company states that it is increasing "present rates to pay for our best estimate of losses and expenses, including a reasonable profit margin." It also notes that profitability for its program is eroding rapidly, and it’s hoping the program will improve performance and increase its existing market share.
Ameriprise calculates that its customers will see their base rates increase anywhere from 2.9% to 18.1% and generate $3.5 million more in additional premium costs. Most of the increase is to its base rate for PIP in New York, which has traditionally been fraught with high fraud rates. Its last increase was effective Oct. 29, 2017, for 15.2%.
Rate changes across the top 10 auto insurance carriers in N.Y., October year to date
Rate changes were more moderate across the largest 10 auto insurance companies in New York, which account for 88% of the market. As of October year to date, rates increased by 3.1% across these groups. Liberty Mutual ranked as the company with the highest overall weighted change, while State Farm bucked the trend and registered a 3.4% decrease this year.
Size Rank Company Direct Written Premiums in 2017 ($mm) Rate Change % (Year-to-date)
1 Berkshire Hathaway Group $4,234 5.9%
2 Allstate Insurance Group $1,844 1.4%
3 State Farm Group $1,758 -3.4%
4 Progressive Group $1,284 0.0%
5 Liberty Mutual Group $731 9.8%
6 Travelers Group $530 3.3%
7 United Services Automobile Association Group $392 4.9%
8 NYCM Insurance Group $327 5.1%
9 Nationwide Corporation Group $303 0.5%
10 AmTrust NGH Group $292 4.4%
Top 10 Groups $11,695 3.1%
Bailey Peterson
Bailey is a Junior Research Analyst at ValuePenguin, covering credit cards and insurance. He graduated from Occidental College with a B.A. in Mathematics and a minor in Computer Science.
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