Sports Insurance for International Students

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Students participating in sports are constantly pushing their bodies to the limit and are taking on a greater risk of injury than students who are not. Sports insurance for international students becomes even more critical than ever in these cases, and finding the right insurance plan for your situation is particularly important. Not every insurance policy will cover sports, and in many cases they will include or exclude coverage based on sports categories such as organized sports, extreme/adventure sports, contact sports, or recreational sports.

In this post, we will explore those main sport categories, and how international student insurance plans deal with coverage.

Organized Sports

Organized sports, as defined in insurance terms, usually include intercollegiate, interscholastic, intramural or club sport participation. If your sport requires organized practices or events, if you have a coach, or if you signed up for the sports through your school, it is most likely an organized sport. This definition does not include semi-professional and professional sports, which are usually in their own category, and in general are not covered by most international student or travel medical plans.

Coverage for organized sports is not inherent in most international student plans, and is commonly excluded from coverage. But not to worry! There are a few international student plans that do include coverage for organized sports, usually with a maximum limit per injury. The Student Secure Budget and Select levels both include coverage for up to $3,000 per injury (Budget) or $5,000 per injury (Select) for organized sports and the Student Health Advantage Standard and Platinum plans includes organized sports coverage up to $5,000 per injury.

Extreme/Adventure Sports

Extreme sports, also known as adventure sports, are activities perceived as having a high level of inherent danger. These activities often involve speed, height, a high level of physical exertion, and, in most cases, highly specialized gear. These kinds of activities are often undertaken for thrill seeking, and thus can expose the participant to abnormal risk that exceeds even that of organized sports.

Although most travel medical plans exclude coverage for organized sports, some policies will include limited coverage for extreme/adventure sports, or there may be an additional  rider that can be added to the plan for an additional cost. These plans will often list the exact sports that are covered and/or those that are excluded from coverage.

For example, the Atlas Travel plan includes coverage for all extreme sports that are not excluded specifically in the policy. Excluded sports include aviation, base jumping, parachuting, parasailing, hang-gliding, sky surfing, paragliding, kite-surfing, off-road motorized vehicles, heli-skiing, white water rafting, racing, spelunking, cave diving, diving unless certified, avalanche training, rugby, hunting, running with the bulls, bobsleigh, skeleton, luge, boxing or martial arts, piloting a hot air ballooning, jousting, pentathlon, powerlifting, quad biking, speed trials, speedway, or wrestling. Any extreme sports not listed would therefore be covered the same as any other illness.

The Patriot Travel plan is an example of a plan that offers an Adventure Sports rider. Here’s a summary of the terms of the rider from IMG, the insurance administrator of the Patriot Travel plan.

“The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), sky diving, snorkeling, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.  All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.”

There are certain sports,however, that are never covered by the Patriot Travel plan, regardless of whether or not the Adventure Sports rider is purchased. These include contact sports of any kind, racing of any kind, any rodeo activity, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, ski jumping, sub-aquatic activities below 50 meters, whitewater rafting exceeding Class V difficulty, and/or adventure sports activity not expressly covered.

Contact Sports

A contact sport is defined as a sport in which players come into physical contact with each other as part of normal play. Hockey, soccer, football, and martial arts are just a few examples of contact sports. Similar to extreme sports, contact sports increase your risk of injury and like the Patriot Travel example above, many plans specifically exclude contact sports, even if they cover other sports. However, if you’ll be participating in contact sports, make sure your insurance plan includes this. The Student Secure Budget and Select cover all organized sports, even if they are considered contact sports.

Recreational, Leisure, or Fitness Sports

Some sports don’t fit into any of these categories. If you like to jog to keep fit, play tennis for fun on the weekends, or play catch with your friends, these types of sports activities fall into another category called Recreational, Leisure, or Fitness sports. These are activities people engage in during their free time, and are  undertaken purely for recreation, leisure, or fitness purposes. They are therefore not considered organized, extreme, or contact, and are usually covered under the general medical benefits of an international student insurance plan or even a travel medical plan.

Not All Insurance Is Equal

Carefully consider your sports participation when shopping for an insurance plan. Using the guidance above, determine which categories of sport you’ll be participating in and find an insurance policy that will protect you in case of any resulting injuries. Every insurance plan will specifically define which types of sports are included or excluded from that particular plan. Check the master policy to be sure that the sports you partake in are covered.

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Debunking business insurance myths

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In 2015, there were 1.17 million employer businesses in Canada – 97 per cent were small businesses (under 100 employees). Small business owners usually take on many roles, such as accountant to marketer and everything in between. BrokerLink commercial insurance experts can take over finding the best insurance for small business owners, which includes acting as myth busters about insurance misinformation. Here are four business insurance myths debunked:

1. Myth: For home-based businesses, home insurance will cover claims for business activities.

Truth: home insurance does not cover claims which relate to the business. For example, if a painter operated from their home and their art supplies were damaged, their home insurance would not cover replacement costs. For this reason, it is important home-based business owners get insurance which meets their business needs. Some common insurance business insurance coverages include commercial general liability insurance (which could help with costs if there is damage to the business property or a lawsuit due to a customer being injured) and business property insurance (which could cover costs to repair damage to a business owner’s home).

2. Myth: If a business owner has customer data on their computer, their business insurance will cover potential expenses if the data is hacked.
Truth: the above statement is only true if the business owner has cyber insurance – a coverage which helps business owners handle expenses which result from customer data (or the business data) being hacked. For instance, if customer financial information was comprised from an online from a hack, the business owner could be sued. Cyber insurance could help cover the cost for legal expenses.

3. Myth: The personal auto policy of the business owner’s car will cover the cost of unexpected events during their business activities.

Truth: if a business owner uses their vehicle for business purposes, costs from claims which occur during business activities will not be covered by their personal auto policy. Commercial auto insurance could cover costs of unexpected events, such as an accident, if they occur during or due to business operations.

4. Myth: Customers who go to the business owner’s home are responsible to pay for damages if they slip or fall on the business owner’s property.

Truth: if a customer hurt themselves while they were on the business owner’s property, the business owner could be sued. Business general liability insurance could help with covering legal expenses, should this occur.

Get a business-insurance preview

To help business owners learn about which insurance coverages best fit their operations, they can take BrokerLink’s online business assessment – where answers to five short questions result in insurance suggestions. With a call to a BrokerLink commercial insurance broker, these ideas can be built on and become a reality.

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What is Co-Insurance?

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Co-insurance is arguably one of most commonly misunderstood and confusing concepts in insurance.   We want to help you understand by explaining what co-insurance is and how it works.

What is co-insurance?

Co-insurance is a clause used by insurance companies on policies covering property such as buildings, contents, stock, or industrial equipment. This clause makes sure policyholders insure their property to an appropriate value and that the insurer receives a fair premium for the risk, whether on a replacement cost basis or on an actual cash value basis (subject to depreciation). The co-insurance clause can also be found on business interruption policies where it ensures that policyholders insure their revenue stream to an appropriate value.

How does co-insurance work?

Generally, co-insurance is expressed as a percentage. The most common clauses require policyholders to insure to 80%, 90%, or 100% of the true value. For instance, a building valued at $1,000,000 replacement value with a co-insurance clause of 90% must be insured for no less than $900,000. The same building with an 80% co-insurance clause must be insured for no less than $800,000.

What if I choose to insure for less than the amount required by the co-insurance clause?

If a property owner chooses to insure for less than the amount required by the co-insurance clause, the property owner is essentially agreeing to retain part of the risk rather than transfer it to the insurance company. He or she thus becomes a ‘co-insurer’ and will share the loss with the insurance company according to a simple calculation.

Here are two examples that demonstrate how the clause works:

Building Value $1,000,000
Co-insurance Requirement 90%
Required Amount of Insurance $ 900,000
Actual Amount of Insurance $ 600,000
Amount of Loss $ 300,000

The co-insurance formula is:
(Actual Amount of Insurance )      X     Amount of Loss = Amount of claim
(Required Amount of Insurance)

Inserting the amounts above in the formula produces the following calculation:
($600,000)    X    $300,000   =   $200,000
($900,000)

So the owner absorbs a $100,000 co-insurance penalty. Since he chose to retain one-third of the risk himself rather than transfer it to the insurer, he absorbs one-third of the loss.
If the building had been insured to the amount required by the 90% co-insurance clause then the co-insurance calculation would look like this:

(Actual Amount of Insurance)     X   Amount of Loss = Amount of claim
(Required Amount of Insurance)

($900,000)   X      $300,000   =   $300,000
($900,000)

In the second example, since the owner met the co-insurance requirement, he was not a coinsurer and his claim is paid without penalty.

Will insurance companies allow the deletion of the co-insurance clause?

Generally, insurers will not allow the co-insurance clause to be deleted. They want to ensure they receive a premium which fairly reflects the total reconstruction value of the property insured, and covers the risk assumed by the insurer. Under certain circumstances, an insurer will replace the percentage co-insurance clause with a “stated amount co-insurance” clause.

With the stated amount co-insurance clause, a pre-agreed value replaces the percentage amount. As long as the amount insured is not less than the amount agreed to, the property owner cannot become a co-insurer and won’t face the penalties created by underinsurance. If the property is insured for less than the agreed value, the stated amount co-insurance clause reverts to the standard 90% clause – and the potential for an underinsurance penalty returns.

To obtain the stated amount co-insurance clause, the policyholder must satisfy the insurer the amount of coverage is a fair approximation of the true cost. Normally, a “reconstruction appraisal” will be required. Market value or purchase price can be dramatically different from replacement cost. Relying on them can produce some nasty surprises following a loss.

When will the different co-insurance percentages be used?

80% is normally used:

• for property insured on an actual cash value (depreciated value) basis.

• for stock in trade.

• for gross earnings business interruption.

90% is normally used:

• for buildings and contents insured for replacement cost.

• for industrial equipment.

100% is normally used:

• for profits business interruption.

There are other percentages and applications used. It is best to confirm with your BrokerLink broker on how co-insurance might affect you. Your broker will advise you of the steps to take to ensure your property is insured to a fair value and you won’t end up on the wrong side of a co-insurance calculation.

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Malignant Mesothelioma Peritoneal

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A Case of Malignant Mesothelioma Peritoneal Showed Complete Remission with Chemotherapy

Malignant Mesothelioma Peritoneal

(MMP) is a rare and aggressive tumor of the peritoneum (the tissue that surrounds the abdomen) and is considered a universally fatal disease. Of all types of mesothelioma, only 20% to 33% arise from the peritoneum itself. Most mesotheliomas commonly originate in the pleura. When the peritoneal cancer spreads, doctors call it diffuse peritoneal mesothelioma.

Peritoneal Mesothelioma Causes

Malignant Mesothelioma Peritoneal starts when an individual breathes in asbestos fibers, usually as part of their job. Asbestos is a natural mineral that is resistant to heat, fire, and electricity. Until the late 1970s, asbestos was widely used in the automotive, building, fireproofing, roofing, and shipbuilding industries.

Adhesives, ceiling tiles, floor tiles, paint, and numerous plastics contained asbestos. Malignant Mesothelioma Peritoneal.Easily released into the air, asbestos fibers are very small, which makes it very easy for workers to breathe them into their lungs. Today’s industries no longer use asbestos.

The asbestos fibers get into the body and move to the digestive system, slicing through the stomach and intestines. In peritoneal mesothelioma, the asbestos fibers puncture the abdominal lining, which is responsible for secreting lubrication for the organs to process food. When this happens, a cancerous growth forms in the abdominal lining.

The incubation period for mesothelioma can be up to fifty years, with symptoms remaining dormant after exposure to asbestos. By the time symptoms appear, the peritoneal mesothelioma has usually already progressed and spread throughout the body. Adding difficulty in detecting Malignant Mesothelioma Peritoneal is the fact that its symptoms are common and mimic other conditions (some of which are minor conditions), and with such a long incubation period after exposure, a physician may treat a patient for the wrong illness, such as indigestion or heartburn.

Peritoneal Mesothelioma Symptoms

Individuals with Malignant Mesothelioma Peritoneal typically have symptoms such as swelling in the abdominal area, sudden loss of weight and appetite, nausea, constipation, and pain in the abdominal region.

Other common symptoms of peritoneal mesothelioma include abdominal lumps, anemia, blood clots, chest pain, coughing, difficulty breathing, difficulty swallowing, fever, fluid retention in the abdominal cavity, constipation, hernia, nausea, and obstructions of the bowel.

Because these symptoms mimic other conditions and are not specific to peritoneal mesothelioma, sometimes malignant peritoneal mesothelioma is not diagnosed, especially if the patient has no idea or does not recall being exposed to asbestos.

Malignant Mesothelioma Peritoneal Diagnosis

When the doctor suspects that a patient may have Malignant Mesothelioma Peritoneal, a magnetic resonance imaging (MRI) or computed tomography (CT) scan will usually be ordered - so they can check for abdominal anomalies. If they do find abdominal anomalies, a biopsy is also ordered to find out what kinds of cells exist within the tissue.

CT scan findings of peritoneal mesothelioma are usually non-specific and insufficient to establish a diagnosis. However, CT scan is useful for detecting, characterizing, staging, and guiding biopsy of peritoneal masses.

Based on CT scan appearances, peritoneal masses are categorized into three types:

The "dry-painful" type is the most common, in which CT shows a single large mass or multiple small peritoneal masses in one abdominal quadrant, with no signs of ascites.

The "wet" type is associated with intestinal distension and ascites, widespread small nodules and plaques, and no solid masses.

Then there is the "mixed" type, which has the characteristics of both the dry and wet types.

A definite diagnosis based on imaging results alone is usually impossible. Additionally, distinguishing a benign mass from a malignant mass, as well as a primary from a metastatic mass is also challenging. Therefore, the definitive diagnosis of peritoneal mesothelioma is dependent on histologic and immune-histochemical examination. Cytologic analysis of ascites (fluid in the abdominal cavity) may also be performed, although it has a low diagnostic potential.

When either imaging scans and cytologic findings are inconclusive (or ascitic fluid is absent), tumor biopsy is performed and this typically results in a conclusive diagnosis.

Peritoneal Mesothelioma Treatment Options

Treatment options for peritoneal mesothelioma are dependent on the extent of which the cancer has progressed. Other factors include the patient’s age, health, and medical history. Typical treatment options include:

Chemotherapy - The most common treatment for peritoneal mesothelioma, chemotherapy may kill cancerous cells.

Radiation - Radiation therapy may shrink a peritoneal mesothelioma tumor and kill cancer cells.

Surgery - Surgery for peritoneal mesothelioma involves removing portions of the abdominal lining, tumor, and possibly parts of the diaphragm.

New treatments for peritoneal mesothelioma include dual therapy, triple therapy, intraoperative photodynamic therapy, immunoaugmentative therapy, gene therapy, and alternative medicine.

Should You Get Tested?

If you have been exposed to asbestos in the past, it is recommend that you get tested immediately for the three types of mesothelioma:

Peritoneal mesothelioma (cancer of the abdominal lining)

Pleural mesothelioma (cancer of the lung lining)

Pericardial mesothelioma (cancer of the heart lining)

Mesothelioma is treatable if detected early enough.

Introduction

Mesothelioma is a rare form of cancer in which malignant (cancerous) cells are found in the mesothelium, a protective sac that covers most of the body’s internal organs. The incidence of malignant peritoneal mesothelioma (MPM) is approximately 2 to 2.6 cases per million annually. Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles.

The mesothelium is a membrane that covers and protects most of the internal organs of the body. It is composed of two layers of cells: One layer immediately surrounds the organ; the other forms a sac around it. The mesothelium produces a lubricating fluid that is released between these layers, allowing moving organs (such as the beating heart and the expanding and contracting lungs) to glide easily against adjacent structures. The mesothelium has different names, depending on its location in the body. The peritoneum is the mesothelial tissue that covers most of the organs in the abdominal cavity.

Mesothelioma (cancer of the mesothelium) is a disease in which cells of the mesothelium become abnormal and divide without control or order. They can invade and damage nearby tissues and organs. Cancer cells can also metastasize (spread) from their original site to other parts of the body. Most cases of mesothelioma begin in the pleura or peritoneum.

Although reported incidence rates have increased in the past twenty years, mesothelioma is still a relatively rare cancer. About 2,000 new cases of mesothelioma are diagnosed in the United States each year. Mesothelioma occurs more often in men than in women and risk increases with age, but this disease can appear in either men or women at any age.

Symptoms

Symptoms of Malignant Mesothelioma Peritoneal include weight loss, and abdominal pain and swelling due to a buildup of fluid (effusion) in the abdomen. Other symptoms may include bowel obstruction, blood clotting abnormalities, anemia, and fever. If the cancer has spread beyond the mesothelium to other parts of the body, symptoms may include pain, trouble swallowing, or swelling of the neck or face.

These symptoms may be caused by mesothelioma or by other, less serious conditions. It is important to see a doctor about any of these symptoms. Only a doctor can make a diagnosis.

Diagnosis

Diagnosing mesothelioma is often difficult because the symptoms are similar to those of a number of other conditions. Diagnosis begins with a review of the patient’s medical history, including any history of asbestos exposure. A complete physical examination may be performed, including x-rays of the chest or abdomen. A CT (or CAT) scan or an MRI may also be useful. A CT scan is a series of detailed pictures of areas inside the body created by a computer linked to an x-ray machine. In an MRI, a powerful magnet linked to a computer is used to make detailed pictures of areas inside the body. These pictures are viewed on a monitor and can also be printed.

A biopsy is needed to confirm a diagnosis of mesothelioma. In a biopsy, a surgeon or a medical oncologist (a doctor who specializes in diagnosing and treating cancer)removes a sample of tissue for examination under a microscope by a pathologist. To do this the doctor may perform a peritoneoscopy. To obtain tissue for examination, the doctor makes a small opening in the abdomen and inserts a special instrument called a peritoneoscope into the abdominal cavity. If these procedures do not yield enough tissue, more extensive diagnostic surgery may be necessary.

Staging

If the diagnosis is mesothelioma, the doctor will want to learn the stage (or extent) of the disease. Staging involves more tests in a careful attempt to find out whether the cancer has spread and, if so, to which parts of the body. Knowing the stage of the disease helps the doctor plan treatment.

Malignant Mesothelioma Peritoneal is described as localized if the cancer is found only on the membrane surface where it originated. It is classified as advanced if it has spread beyond the original membrane surface to other parts of the body, such as the lymph nodes, or abdominal organs.

Treatment

Treatment for mesothelioma depends on the location of the cancer, the stage of the disease, and the patient’s age and general health. Standard treatment options include surgery, radiation therapy, and chemotherapy. Sometimes, these treatments are combined.

Surgery is a common treatment for mesothelioma. The doctor may remove part of the lining of the abdomen and some of the tissue around it.

Radiation therapy, also called radiotherapy, involves the use of high-energy rays to kill cancer cells and shrink tumors. Radiation therapy affects the cancer cells only in the treated area. The radiation may come from a machine (external radiation) or from putting materials that produce radiation through thin plastic tubes into the area where the cancer cells are found (internal radiation therapy).

Malignant Peritoneal Mesothelioma

Chemotherapy is the use of anticancer drugs to kill cancer cells throughout the body. Most drugs used to treat mesothelioma are given by injection into a vein (intravenous, or IV). Doctors are also studying the effectiveness of putting chemotherapy directly into the abdomen (intracavitary chemotherapy).

To relieve symptoms and control pain, the doctor may use a needle or a thin tube to drain fluid (effusions) that has built up in the abdomen. Removal of fluid from the abdomen is called paracentesis. Radiation therapy and surgery may also be helpful in relieving symptoms, Malignant Mesothelioma Peritoneal.

Tag : Mesothelioma Treatment

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What is Pericardial Mesothelioma?

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Pericardial mesothelioma is a rare form of mesothelioma that accounts for roughly 5% of all mesothelioma cases. Pericardial mesothelioma is a cancer that grows on the lining of the heart. The lining of the heart is extremely important because it plays an important role in protecting the heart from damage and so pericardial mesothelioma is an extremely serious condition. Pericardial mesothelioma becomes a terminal illness if not treated aggressively in its early stages.

Like all other forms of mesothelioma, pericardial mesothelioma is caused by inhalation of asbestos dust and fibres. Once inhaled, asbestos fibres become lodged in the lungs. From the lungs, the fibres can either pass into the lymphatic system and then be transported to the lining of the lungs or they can gradually move across to the lining of the heart over a long period of time. Over a long period of time, asbestos fibres can accumulate on the lining of the heart and this is when pericardial mesothelioma becomes a likelihood.

What is Pericardial Mesothelioma?

Due to the fact that asbestos is still present in many public buildings, the possibility of pericardial mesothelioma is a reality for everyone, although for most, very unlikely. Those with the highest chance of having mesothelioma are those who have been in constant contact with mesothelioma for a length of time as short as a few months. These are people like construction workers and asbestos manufacturers. Those who are in contact with people who are constantly exposed to asbestos are also at risk due to the fact that asbestos fibres can stick to clothes and hair and so can be carried around.

Presently, cases of mesothelioma are increasing including pericardial mesothelioma. Elderly men who are approaching 60 - 70 years of age are just starting to suffer from pericardial mesothelioma due to its long latency period (amount of time the symptoms take to show) of 30 - 50 years. They are suffering because this was the generation who worked with asbestos and amongst asbestos when asbestos was an extremely popular building material in the 1950s - 1970s. These men are now lodging multi-million dollar lawsuits against the companies who exposed them to the dangers of asbestos.

Pericardial mesothelioma has a number of symptoms but these only start to take effect in the cancer’s latest stages when it is almost fully matured and developed. These symptoms include persistent coughing, shortness of breath, chest pains and palpitations. Other symptoms typical of all types of mesothelioma include loss of appetite, nausea and weight loss. What often makes pericardial mesothelioma so difficult to treat is that its symptoms are typical of many other more common diseases such as pneumonia. To be treated effectively, pericardial mesothelioma needs to be treated aggressively in its early stages and so many patients’ treatments are given too late because of a delay in diagnosis.

Treatments for pericardial mesothelioma are very limited and as yet, success rates for curing pericardial mesothelioma are very low. The chances of a patient’s survival depend largely on how early the cancer is treated and how aggressively. Treatment methods include chemotherapy, radiation therapy, dual therapy and surgery.

Chemotherapy uses drugs to try to kill off cancerous cells. Radiation therapy uses radiation to try to kill off cancerous cells although this is extremely difficult in the case of pericardial mesothelioma because too much radiation can badly damage the heart. Dual therapy is a combination of both chemotherapy and radiation therapy. Surgery comes in two different types, aggressive surgery and palliative procedures.

Aggressive surgery is only used on the strongest of patients such as young and healthy men and consists of removing a large portion of the cancer and attempts to gain control over the cancer. Palliative procedures are a more passive way of dealing with pericardial mesothelioma and just attempts to relieve the patient of the symptoms.

Research is being done into pericardial mesothelioma in research stations all over the USA and many pharmaceutical companies are also attempting to find new drugs for chemotherapy. So far, much research has been unsuccessful.

Tag : Pericardial Mesothelioma

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Mesothelioma

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Speaking with a mesothelioma law firm is an important step for many. If you’ve been diagnosed with mesothelioma or another asbestos-related disease, you may be entitled to compensation from a company that manufactured and/or sold asbestos-containing products. To find out if you have a case, and how much money you could receive, it’s essential that you discuss your situation with the right mesothelioma law firm.

Call Sokolove Law at 866-407-6615 or request a free legal consultation to learn more about the legal process and our firm’s experience in mesothelioma and asbestos related diseases.

Our Mesothelioma Law Firm Experience

Sokolove Law has been fighting for the victims of mesothelioma and asbestos exposure for nearly 40 years. We are the first truly national law firm with a licensed attorney in nearly every state. Our Founder Jim Sokolove’s passion and commitment has helped bring justice and compensation to over 5,000 victims of mesothelioma and asbestos-related diseases.

Our nationwide network of mesothelioma law firm attorneys helps provide equal access to our nation’s court system — regardless of a potential victim’s location, income, or race.

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A Little Explanation of Sarcomatoid Mesothelioma

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What Is Mesothelioma Sarcoma?

Between the two forms of tumors of the mesothelioma, which are either benign (non-cancerous) or malignant (cancerous), the latter is more common and dangerous, popularly known as mesothelioma. Mesothelioma is characterized by its dangerous potential to spread to other parts of the body.

Types of Mesothelioma, there are three different types of Mesothelioma:

1) Ephitheliod: It affects the membranous tissue covering the internal organs and surfaces of the body. Though majority of the mesothelioma cases occurring today belong to this type, it has the best prognosis (outlook for survival or treatment).

2) Sarcomatoid: It is also known as mesothelioma sarcoma. It arises from supportive tissues such as bones, muscles, cartilages and fats. About 7% to 20% of mesothelioma cases are of this type.

3) Mixed/Biphasic: 20% to 35% of mesothelioma cases belong to this type. It carries both the features of the above two types.

The treatment options remain the same for all the types.

Physical Aspects of Mesothelioma

Mesothelioma arising from the chest cavity are known as pleural mesothelioma and amounts to an approximate three fourths of the total cases. Peritoneal mesothelioma, which starts and spreads in the abdomen, constitutes 10% to 20% mesothelioma cases. Mesothelioma affecting the covering of the testicles, which is in fact an out-pouching of peritoneum into the scrotum, is rather uncommon. Cases of Pericardial Mesotheliomathat starts in the cavities of the heart are also very rare.

Mesothelioma and the Masses

New cases of mesothelioma, even though they are less common, amount from 2000 to 3000 every year only in the United States. Most of the patients diagnosed with mesothelioma are from the age group of 50 years and above with majority being the people in the seventies.

This is primarily due to their exposure to asbestos in the 1940s and 1950s or even earlier. Exposure victims of later year’s i.e.1970s and 1980s are yet to be diagnosed. Men are more susceptible than females with male victims constituting 3 to 5 times higher in numbers than females. This is probably because during that period women liberation movements were started, which resulted into barring them from construction works. On the racial parameters, it is more common among the Caucasians than African Americans.

Even though mesothelioma sarcoma cases are rare, they are extremely dangerous. People diagnosed with the disease are mostly in their last and critical stages, making their treatment more difficult in comparison to other forms of cancer. The survival time ranges from one to two years. With unparallel advancements in modern science and medical technology, chances of mesothelioma treatment and recovery have always been increasing.

The good news is that the patients suffering from mesothelioma sarcoma can file lawsuits for seeking compensation against the companies responsible for asbestos exposure.

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