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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.

Why Roommates Are Not Covered A roommate is not covered by another’s renters insurance because the policies are not priced appropriately for that risk. Insurance companies use a long list of factors to price renters insurance for only one individual. For each person a policy covers, the likelihood of a claim, or the severity of a claim, increases. Can I Add Roommates To My Renters Insurance Policy? Some companies allow policyholders to list other individuals to their renters insurance policy but this is widely ill-advised. Do not add a roommate to your renters insurance policy. If a roommate listed on a renters insurance policy ever needs to file a claim, the ramifications for the policyholder can be serious. All property insurance claims made are registered to the Comprehensive Loss Underwriting Exchange (CLUE), a reporting system by LexisNexis, and insurers check this database when pricing personal auto and property policies (including renters insurance). So if a roommate listed on a renters insurance policy files a claim, the policyholder will be the one reported to the exchange and their CLUE report will show that claim going forward. A higher renters insurance premium due to a claim on a CLUE report might not equate to a lot of money. However, higher homeowners or auto insurance rate could mean a policyholder is paying hundreds of dollars more each year. For example, consider two roommates who split the cost of furniture for an apartment and needed to file a small claim for the furniture in their living room. Even though the policyholder would have a claim on their record, both roommates would benefit from that claim. They would be getting money back that both contributed to the furnishings. The same could be said about a loss of use claim (sometimes called a claim for additional living expenses) in the event the apartment two roommates share become uninhabitable. If a covered peril, such as a fire, forces the roommates to stay in a hotel and go out to eat, this coverage will reimburse them for those expenses. Liability claims might be different. Remember that the policyholder tarnishes their claim history with each one they file, including claims filed by anyone else listed on the policy. Renters insurance liability claims don’t happen as frequently as other types, but they are some of the most expensive claims filed and carriers consider severity when evaluating rate increases and nonrenewals. For example, a roommate might cause a fire and be liable for $100,000 in damages to a rental complex, but the policyholder would be the one filing a claim. Whether a policyholder was the cause of such a fire or not is irrelevant to an insurance company. Companies calculate risk based on a policyholder, the number of claims and their severity – how those came to be to is not relevant in their eyes. Roommates Might Save Money With One Policy, But It’s Not Worth It The argument made for listing a roommate on a renters insurance policy is that it saves money. That savings is small and not worth the risk to the policyholder. Assuming two roommates are splitting the cost of a renters insurance policy, they are only saving themselves about $94 per year. The average annual premium for renters insurance in the U.S. is only $187. As a policyholder, you don’t want to face years of higher property insurance rates because you had to file a claim due to your roommate. Do Not Attempt To Claim Property That Is Not Yours As a policyholder, do not attempt to claim the personal property of a roommate if they are not listed on your renters insurance policy. Filing an insurance claim for property that does not belong to you is fraud and insurance companies dedicate resources to detecting and and investigating potential fraud cases. Insurers frequently conduct an examination under oath if they suspect a claim is fraudulent. They usually hire outside counsel to administer the examination, during which they ask the policyholder questions and ask them to bring forward documents and receipts proving ownership of the property claimed. Examinations under oath can be extremely broad and if a policyholder does not cooperate in any way, insurance companies can use that as grounds to deny their claim. An attorney usually administers an examination under oath but an insurance adjuster can administer one, too. Siblings, Partners, Students, And College Roommates There are circumstances when it might make sense for a policyholder to list someone on their renters insurance. The two most common are when a policyholder’s roommate is a sibling or a girlfriend or boyfriend they live with. If a policyholder is the legal guardian of a sibling they live with, then the policyholder should list the sibling on their renters insurance policy. A sibling who is older should purchase their own renters insurance policy, separate from the sibling they are staying with. A policyholder who lives with a girlfriend or boyfriend also might want to list them on their renters insurance. However, this is something the policyholder should discuss with their significant other. A policyholder might uncomfortable taking on the risk of their boyfriend or girlfriend by including them in their coverage. Regardless of the relationship between two roommates, the policyholder is the person with something to lose if a claim must be filed. College Roommates Roommates at a college or university might need renters insurance. Roommates living in a dormitory owned by the university are probably covered by a parent or guardian’s homeowners policy and don’t need renters insurance. However, roommates renting a house or apartment off campus need to each have their own renters insurance policy.

HALAMAN SELANJUTNYA:

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