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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.

What are your chances of dying in an accident? According to statistics from the Centers for Disease Control and Prevention, accidents are the fifth leading cause of death in the United States, only behind the leading causes of heart disease, cancer, respiratory diseases and strokes. You have no doubt given thought to what would happen to your loved ones in the event of your untimely demise due to some sort of accident. Financial hardships and other losses can make this time of personal grief especially trying. Life insurance is meant to give you peace of mind—assuring that your family will be taken care of should something happen to you. However, you may have special circumstances or wish to obtain more coverage than a standard life insurance policy can provide. For these special cases, an accidental death and dismemberment (AD&D) insurance policy is an option to consider when choosing the right type of life insurance. The Accidental Death and Dismemberment Insurance Policy An AD&D policy will provide a cash benefit to your beneficiaries if you die as the result of a covered accident or suffer a partial or complete dismemberment due to a covered accident. AD&D insurance will pay for accident claims in addition to any primary insurance coverage you have such as disability insurance or your employer’s workers compensation insurance that would pay for a dismemberment caused by a work-related accident. Typically, a policy will provide $20,000 to $500,000 in coverage and may be written on an individual policy or through an employers’ benefits package. In a death claim for a covered accident, the full benefit amount is paid. For a limb dismemberment or loss of eyesight, these payments are made as “scheduled payments” or a certain percentage of the principal policy coverage amount. There are certain exclusions that apply to most AD&D policies such as an injury caused from a suicide attempt, death from surgery, drug overdose or harming yourself intentionally in some way. Other exclusions may also apply and vary by insurance company. 10 Insurance Companies Offering AD&D Policies Prudential: Prudential Insurance offers an employer benefit AD&D policy with an option to add a spouse and children. Depending on your employer, the premium for yourself may be paid with the option to add your dependents for an additional premium you would pay. The AD&D policy through Prudential is available as stand-alone coverage or as a supplement added to a standard term-life insurance policy. You can add a rider on your policy for these options: additional payment if dying in a car while properly using a seat belt in a vehicle equipped with airbags; losses due to coma, exposure, disappearance, felonious assault or employee/spouse/domestic partner joint death; spouse or child tuition reimbursement and surviving spouse benefits. Prudential Insurance has been in business since 1875 and has an “A+” Superior rating from A.M. Best. Coverage is offering throughout the U.S. Mutual of Omaha: Mutual of Omaha’s AD&D coverage is provided as an added option to an employer term life insurance plan. There are three different optional riders: (1) Family Suite—Provides a spouse education benefit up to $3,000, a child education benefit up to $5,000, a childcare benefit of up to $5,000 for covered child care expenses and a continuation of coverage option so that coverage remains in effect for the spouse and dependent children for up to 12 months after death; (2) Travel Suite—This option adds a seatbelt benefit which pays an additional 10% up to a maximum of $25,000; an airbag benefit up to $25,000; a double benefit up to $1,000,000 if the accident occurs in public transportation and $5,000 in repatriation fees for transportation of remains; (3) Catastrophe Suite—Pays a paralysis benefit if a covered injury results in paraplegia, hemiplegia, quadriplegia, triplegia or uniplegia; pays an additional 10% for vehicle or home modification; 5% additional for coma up to 20 months; hospital confinement income and up to a $25,000 benefit payment for felonious assault injuries. Mutual of Omaha was founded in 1909 and offers coverage in 44 states. It has a financial strength rating of “A+” Superior from A.M. Best. AIG Direct: AIG Direct offers these AD&D plans: (1) Accident Expense Plus—Designed to fill the gaps your medical plan does not cover in the event of a covered accident or a critical illness; (2) AG AccidentCare Direct Plus—A guaranteed issue and guaranteed renewable policy for death dismemberment and paralysis. This policy gives you 24-hour protection and lump-sum indemnity benefits; (3) AG Accident Choice Plus—Provides additional coverage for a wide range of accidents and covers costs for surgery, physical therapy, diagnostic exams and emergency room visits. AIG began operations in the U.S. in 1926. It offers coverage across the U.S. and in more than 100 countries. AIG has a financial strength rating of “A” from A.M. Best. Aflac: Aflac offers an accident insurance policy through employers providing cash benefits for accident care and recovery costs including emergency treatment, medical transportation costs, lodging and more. This pan includes a feature called One Day Pay which can give you cash as soon as the next day after an accident to help with bills and other living expenses while you are recovering after an accident and unable to work. Aflac specializes in supplemental policies with more than 50 million people insured worldwide. Aflac has an “A+” Superior financial strength rating from A.M. Best. Transamerica: Two accidental death policies are available through Transamerica: Plan A—Provides a benefit up to $250,000 for a covered accidental death which doubles to $500,000 for common carrier (public transportation) accidents; Plan B—Has a benefit amount of $25,000 for a covered accidental death which increases to $250,000 for common carrier accidents. Spouses and children can be added to either plan for an additional premium. The rider adds an additional payout of $125,000 for spouses and $5,000 for children when added to Plan A. The Plan B rider pays out $75,000 for spouses and $5,000 for children. Transamerica has been in business since 1928 and offers coverage through its subsidiary companies in all 50 states. Transamerica has an “A+” Superior financial strength rating from A.M. Best. Fidelity Life: The Accidental Death Benefit Insurance policy from Fidelity Life provides coverage of $50,000 to $250,000 and is available for as little as $10 per month. The policy is available to individuals ages 20 through 59. A full death benefit is paid up until age 70 and is then reduced to 50% of the face value of the policy until it expires at age 80. Riders are available to cover children and spouses. Fidelity Life was founded in 1896 and has an “A-“ Excellent financial strength rating from A.M. Best. Fidelity Life is licensed in all states with the exception of Wyoming and New York. Farmers: AD&D coverage from Farmers Insurance provides coverage from $50,000 to $200,000 to pay for accident-related expenses and lost wages. The cost of $100,000 of coverage is only $8 per month. There is no waiting period for coverage to being. For a death caused by a common carrier accident, there is coverage for up to $1,000,000. Coverage is guaranteed for applicants ages 18 to 59. Farmers Insurance was founded in 1928 and has an “A” Excellent financial strength rating from A.M. Best. Coverage is offered in all 50 states. The Hartford: The AD&D policy from Hartford provides 24-hour protection for a covered injury, paralysis or death and will pay for losses occurring within 365 of the covered accident. Under this plan coverage is included for loss of life, loss of speech, loss of hearing, loss of hands, feet or sight, loss of thumb or index finger of either hand and loss of movement. The plan is provided through employers to employees on an employer-paid, voluntary or stand-alone basis. The Hartford has been operating since 1810 and offers coverage through the United States. The company has an “A+” Superior financial strength rating from A.M. Best. MetLife: MetLife AD&D insurance pays benefits on claims resulting from a loss of life, speech, hearing or sight, paralysis and other losses. It is provided as an employer-paid, employee-paid option or a combination of both. Standard and optional benefits include coverage for airbag, seat belt, common carrier, child care center, child care education, spouse education, hospitalization, COBRA continuation, HIV, job-related injury, parental care, rehabilitative physical therapy, repatriation of remains, therapeutic counseling and workplace felonious assault. MetLife was founded in 1868 and has an “A+” Superior financial strength rating from A.M. Best. MetLife offers coverage through the United States and in nearly 50 countries worldwide. Sun Life Financial: Sun Life Financial offers AD&D insurance to match the value of your life insurance policy or you may choose a different amount. You have the option to choose an amount based on your salary (an example would be two times your annual salary) or you can choose a set dollar amount. The policy provides coverage for losses due to accidental injury, speech and hearing, quadriplegia, paraplegia, loss of sight in one eye, speech, hearing, loss of limb (arm or leg), thumb and index finger. In the event a covered accident results in your death, your beneficiary will receive 100% of your coverage amount. Sun Life Financial was founded in 1865 and has an “A+” Superior financial strength rating from A.M. Best. Coverage is available in all 50 states. Alternatives and Considerations For most people, AD&D will not be their primary coverage but rather a supplemental policy to provide additional coverage not offered by a standard life insurance policy. Keep in mind that an AD&D policy pays out only if your death is caused by a covered accident. You are more likely to die from some other cause that is not covered including cancer, heart attack or some other illness. Also, some exclusions apply to policies such as accidents resulting from dangerous activities including car or motorcycle racing, sky diving, and other high risk activities. Be sure to find out what is excluded before purchasing an AD&D policy. Some employers offer this coverage to their employees for free. If you can get extra coverage for free, it certainly makes sense to do so. Many life insurance companies allow you to add an AD&D rider to your existing life insurance policy for an additional premium. This may be a cheaper option than purchasing a stand-alone AD&D policy. If you think additional, AD&D coverage may be right for you, shop around and compare coverage options and pricing to get the best value on a policy.

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