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Loophole for Cancer Cells Found

Many cancers only become a mortal danger if they form metastases elsewhere in the body. Such secondary tumours are formed when individual cells break away from the main tumour and travel through the bloodstream to distant areas of the body. To do so, they have to pass through the walls of small blood vessels. Scientists from the Max Planck Institute for Heart and Lung Research in Bad Nauheim and Goethe University Frankfurt have now shown that tumour cells kill specific cells in the vascular wall. This enables them to leave the vessels and establish metastases, a process facilitated by a molecule called DR6.

The most common cause of cancer deaths is not the primary tumour itself but metastases that subsequently form. Most tumour cells spread via the bloodstream. To do so, individual tumour cells have to enter blood vessels and leave the bloodstream again at remote locations.

Together with scientists at the universities of Cologne and Heidelberg, the Research Group led by Stefan Offermanns, Director of the Department of Pharmacology at the Max Planck Institute for Heart and Lung Research and professor at Goethe University Frankfurt, has now succeeded in clarifying the underlying mechanism. The researchers, working with cell cultures, first observed how individual tumour cells kill specific cells in the vascular wall, called endothelial cells. This process, known as necroptosis, enabled cancer cells to overcome an endothelial cell layer in the laboratory. "We were then able to show in studies on mice that the same process occurs in living organisms," says Boris Strilic, first author of the study.

The scientists also found that endothelial cells themselves give the signal for their own death: To do this, the vascular wall cells have a receptor molecule called Death Receptor 6 (DR6) on their surface. "When a cancer cell comes into contact with it, a protein on the cell's surface, known as APP, activates DR6. This marks the start of the cancer cells' attack on the vascular wall, which culminates in the necroptosis of wall cells," Strilic explains.

Death Receptor in the cell membrane

The Max Planck researchers then showed that less necroptosis of endothelial cells and less metastasis occur in genetically modified animals in which Death Receptor 6 is disabled. "This effect was also found after a blockade of DR6 or the cancer-cell protein APP, thus confirming our previous observations," Strilic says.

It is still not entirely clear whether the cancer cells migrate directly through the resulting gap in the vascular wall or whether there is an indirect effect: "We have evidence that many more molecules are released when the vascular wall cell dies and that they render the surrounding area more permeable to cancer cells," says Offermanns.

"This mechanism could be a promising starting point for treatments to prevent the formation of metastases," says Offermanns. First, however, it must be determined whether a blockade of DR6 triggers unwanted side effects. It must also be determined to what extent the observations can be transferred to humans.

Scientists Find Brain's Generosity Center

Scientists from Oxford University and UCL have identified part of our brain that helps us learn to be good to other people. The discovery could help understanding of conditions like psychopathy where people's behaviour is extremely antisocial.

The researchers were led by Dr Patricia Lockwood, who explained: 'Prosocial behaviours are social behaviours that benefit other people. They are a fundamental aspect of human interactions, essential for social bonding and cohesion, but very little is currently known about how and why people do things to help others.

'Although people have a remarkable inclination to engage in prosocial behaviours there are substantial differences between individuals. Empathy, the capacity to vicariously experience and understand another person's feelings has been put forward as a critical motivator of prosocial behaviours, but we wanted to test why and how they might be linked.'

The scientists used a well-understood model of how people learn to maximise good outcomes for themselves and applied this model to understand how people learn to help others. While being scanned in a MRI machine, volunteers had to work out which symbols were more likely to give them, or someone else, a reward.

They found that while people readily learn to make choices that benefit other people, they do not learn it quite as fast as they learn to benefit themselves. However, they also identified a particular brain area involved in learning to get the best result for other people.

Dr Lockwood said: 'A specific part of the brain called the subgenual anterior cingulate cortex was the only part of the brain that was activated when learning to help other people. Put another way, the subgenual anterior cingulate seems to be especially tuned to benefiting other people.

'However, this region of the brain was not equally active in every person. People who rated themselves as having higher levels of empathy learnt to benefit others faster than those who reported having lower levels of empathy. They also showed increased signalling in their subgenual anterior cingulate cortex when benefitting others.'

'This the first time anyone has shown a particular brain process for learning prosocial behaviours -- and a possible link from empathy to learning to help others. By understanding what the brain does when we do things for other people, and individual differences in this ability, we are better placed to understand what is going wrong in those whose psychological conditions are characterised by antisocial disregard for others.'

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Cancer on a Paleo-diet?

An international team of researchers led by scientists from the University of the Witwatersrand's Evolutionary Studies Institute and the South African Centre for Excellence in PalaeoSciences today announced in two papers, published in the South African Journal of Science, the discovery of the most ancient evidence for cancer and bony tumors yet described in the human fossil record.

The discovery of a foot bone dated to approximately 1.7 million years ago from the site of Swartkrans with definitive evidence of malignant cancer, pushes the oldest date for this disease back from recent times into deep prehistory. Although the exact species to which the foot bone belongs is unknown, it is clearly that of a hominin, or bipedal human relative.

In an accompanying paper appearing in the same journal, a collaborating team of scientists identify the oldest tumor ever found in the human fossil record, a benign neoplasm found in the vertebrae of the well-known Australopithecus sediba child, Karabo from the site of Malapa, and dated to almost two million years in age. The oldest previously demonstrated possible hominin tumor was found in the rib of a Neanderthal and dated to around 120,000 years old.

Edward Odes, a Wits doctoral candidate and lead author of the cancer paper, and co-author on the tumor paper, notes "Modern medicine tends to assume that cancers and tumors in humans are diseases caused by modern lifestyles and environments. Our studies show the origins of these diseases occurred in our ancient relatives millions of years before modern industrial societies existed."

The cancer in a foot bone, a metatarsal, was identified as an osteosarcoma, an aggressive form of cancer which usually affects younger individuals in modern humans, and, if untreated typically results in early death. "Due to its preservation, we don't know whether the single cancerous foot bone belongs to an adult or child, nor whether the cancer caused the death of this individual, but we can tell this would have affected the individuals' ability to walk or run," says Dr Bernhard Zipfel, a Wits scientist and an expert on the foot and locomotion of early human relatives. "In short, it would have been painful."

Lead author of the tumor paper and co-author of the cancer paper, Dr Patrick Randolph-Quinney of Wits University and the University of Central Lancashire in the UK, suggests "The presence of a benign tumor inAustralopithecus sediba is fascinating not only because it is found in the back, an extremely rare place for such a disease to manifest in modern humans, but also because it is found in a child. This, in fact, is the first evidence of such a disease in a young individual in the whole of the fossil human record."

Prof. Lee Berger, an author on both papers and leader of the Malapa project where the fossil vertebra was found adds "not only has there been an assumption that these sorts of cancers and tumors are diseases of modernity, which these fossils clearly demonstrate they are not, but that we as modern humans exhibit them as a consequence of living longer, yet this rare tumor is found in a young child. The history of these types of tumors and cancers is clearly more complex than previously thought."

Both incidents of disease were diagnosed using state of the art imaging technologies including those at the European Synchrotron Research Facility in Grenoble, France, medical CT at the Charlotte Maxeke Hospital in Johannesburg, and the micro-CT facility at the Nuclear Energy Corporation of South Africa at Pelindaba.

"Researchers in South Africa are at the forefront of using various X-Ray modalities to discover new and interesting facts about ancient human relatives," notes Dr Jacqueline Smilg, a radiologist based at Charlotte Maxeke Hospital, who is an author on both papers and was involved in the clinical diagnoses. "This is another good example of how the modern clinical sciences and the science of palaeoanthropology are working together in South Africa and with international collaborators to advance our understanding of diseases in both the past and the present."

ASBESTOS POISONING

Asbestos is a silent killer that has destroyed thousands of lives. For decades, millions of unsuspecting Americans were exposed to toxic levels of asbestos on their jobs, in their homes, at school, and numerous other places. The following video details the dangers of asbestos and the options available to victims of asbestos poisoning.
Individuals who incur significant asbestos exposure are at risk of developing asbestosis, lung cancer, mesothelioma (a fatal cancer that attacks the lining of the chest cavity and internal organs), and other serious illnesses.
In fact, the only proven cause of mesothelioma is asbestos. Individuals who worked in shipyards, including Navy facilities, are among those who are most frequently stricken with mesothelioma. The disease begins when the tiny fibers of asbestos are let loose in the air, where they are inhaled and become lodged in the lungs. There is no cure for mesothelioma.
All asbestos-related diseases can wreak havoc in the lives of individuals and their families, resulting in the loss of jobs, health, and often lives. If asbestos exposure or one of its related diseases has affected your life, your greatest resource is information.
Please take a moment to watch this video and learn all that you can about the silent epidemic of asbestos exposure and the ravages of mesothelioma and other asbestos-induced diseases. The more that you know about asbestos, the better prepared you will be to fight for your rights and those of your loved ones.

HOW IS MALIGNANT MESOTHELIOMA DIANOSED

If there is a reason to suspect you may have mesothelioma, your doctor will use one or more methods to find out if the disease is present. The first step in diagnosing mesothelioma is recognizing your symptoms.
Signs and Symptoms of Mesothelioma
Early symptoms of mesotheliomas are not specific to the disease. People often ignore them or mistake them for common, minor ailments. Most people with mesothelioma have symptoms for only 2 to 3 months before they are diagnosed. About one-fourth of people have symptoms for at least 6 months before they are diagnosed.
Over half of patients with pleural mesothelioma have pain in the lower back or at the side of the chest. Many report shortness of breath. A smaller percentage have trouble swallowing, cough, fever, sweating, fatigue, and weight loss. Other symptoms include hoarseness, coughing up blood, swelling of the face and arms, muscle weakness, and sensory loss.
Symptoms of peritoneal mesothelioma include abdominal (belly) pain, weight loss, nausea, and vomiting. There may also be fluid or a mass in the abdomen.
If you have any of these symptoms and have been exposed to asbestos you should see a doctor right away.
Medical History and Physical Exam
A complete medical history (interview) is taken to check for risk factors and symptoms. This will include questions to determine if you have been exposed to asbestos.
A physical exam will provide information about signs of mesothelioma and other health problems. Patients with pleural mesotheliomas (mesotheliomas of the chest) often have fluid in their chest cavity (pleural effusion) caused by the cancer. Some will have fluid in the abdominal cavity (ascites) in cases of peritoneal mesothelioma, or fluid in the pericardium (pericardial effusion) in cases of pericardial mesothelioma. All these might be detected during a physical exam. Otherwise they will be found by imaging studies.
Rarely, mesothelioma can develop in the groin and look like a hernia.
Imaging Tests
Imaging studies such as x-rays, computed tomography (CT) scans, and magnetic resonance imaging (MRI) scans will help determine the location, size, and extent of the cancer.
Chest x-ray: This may show irregular thickening of the pleura, calcium deposits on the pleura, or fluid in the pleural space. These findings suggest asbestos exposure leading to the development of a mesothelioma.
Computed tomography (CT) scan: The CT scan is an x-ray procedure that produces detailed cross-sectional images of your body. Instead of taking one picture, like a conventional x-ray, a CT scanner takes many pictures as it rotates around you. A computer then combines these pictures into an image of a slice of your body. The machine will take pictures of multiple slices of the part of your body that is being studied.
CT scans are often used to make the initial diagnosis of malignant mesothelioma, and are helpful in staging the cancer (determining the extent of its spread).
Often after the first set of pictures is taken you will receive an intravenous injection of a "dye" or radiocontrast agent that helps better outline structures in your body. A second set of pictures is then taken.
CT scans are more tiring than regular x-rays because they take longer and you need to lie still on a table while they are being done. But just like other computerized devices, they are getting faster and your stay might be pleasantly short. Also, you might feel a bit confined by the ring you lie within when the pictures are being taken.
You will have an IV (intravenous) line through which the contrast "dye" is injected. The injection can also cause some flushing (redness and warm feeling). Some people are allergic and get hives or rarely more serious reactions like trouble breathing and low blood pressure. Be sure to tell the doctor if you have ever had a reaction to any contrast material used for x-rays. You may be asked to drink 1 to 2 pints of a solution of contrast material. This helps outline the intestine.
Positron emission tomography (PET) scan: In this test, radioactive glucose (sugar) is injected into your vein. Because cancers use sugar much faster than normal tissues, the cancerous tissue takes up the radioactive material. A scanner can spot the radioactive deposits. This test, which is still being studied, is useful for telling whether a thickening of the tissues is cancer or merely scar tissue. It can also spot spread of the cancer.
Magnetic resonance imaging (MRI)scan: MRI scans use radio waves and strong magnets instead of x-rays. The energy from the radio waves is absorbed and then released in a pattern formed by the type of tissue and by certain diseases. A computer translates the pattern of radio waves given off by the tissues into a very detailed image of parts of the body. Not only does this produce cross sectional slices of the body like a CT scanner, it can also produce slices that are parallel with the length of your body. A contrast material might be injected just as with CT scans, but is used less often. Sometimes MRI scans are useful in looking at the diaphragm (the thin muscle at the bottom of the lung cage that is responsible for breathing) where the mesothelioma may spread.
MRI scans are particularly helpful in examining the brain and spinal cord. MRI scans are a little more uncomfortable than CT scans. First, they take longer — often up to 1 hour. Also, you have to be placed inside a tube, which is confining and can upset people with claustrophobia (fear of enclosed places). The machine also makes a thumping noise that you may find disturbing. Some places will provide headphones with music to block this out.
Blood Tests
As mentioned above, blood levels of a protein called osteopontin are elevated in people with mesothelioma. But this blood test is probably more useful for following a patient’s progress during and after treatment. It is not used to diagnose the disease, although an elevated level may raise suspicions.
Tests of Fluid and Tissue Samples
If you have a pleural effusion (a build up of fluid) a sample of this fluid can be removed by inserting a needle into the chest cavity. A similar technique can be used to obtain abdominal fluid and pericardial fluid. The fluid is then tested to see its chemical make up and viewed under a microscope by an expert in diagnosing cancer (pathologist) to determine whether cancer cells are present. If cancer cells are present, special tests are needed to diagnose whether the cancer is a mesothelioma, a lung cancer, or another type of cancer.
A tissue sample of a pleural or pericardial tumor can be obtained using a relatively new technique called thoracoscopy. A thoracoscope (telescope-like instrument connected to a video camera) is inserted through a small incision into the chest. Your doctor can see the tumor through the thoracoscope, and can use special forceps to take a tissue biopsy. Similarly, laparoscopy can be used to see and obtain a biopsy of a peritoneal tumor. In this procedure, a flexible tube attached to a video camera is inserted into the abdominal cavity through small incisions on the front of the abdomen. Fluid can also be collected during thoracoscopy or laparoscopy. The biopsy specimen will be sent to the pathology laboratory where the pathologist will examine it to determine if it is cancer.
Surgery, either a thoracotomy (which opens the chest cavity) or a laparotomy (which opens the abdominal cavity), allows the surgeon to remove a larger sample of tumor or, sometimes, to remove the entire tumor.
If you might have pleural mesothelioma, the doctor may also do a bronchoscopy. In this procedure a flexible lighted tube is inserted through your mouth, down the trachea, and into the bronchi to see if there are other masses in the airway. Small samples of abnormal-appearing tissue can be removed for testing.
You may also have a mediastinoscopy. A lighted tube is inserted under the sternum (chest bone) at the level of the neck and moved down into the chest. Mediastinoscopy allows the surgeon to view the lymph nodes in this area and remove samples to check for cancer. Lymph nodes are bean-sized collections of immune system cells that help the body fight infections and cancers. Cancers in the lung often spread to lymph nodes, but mesotheliomas do this less often. Tests on lymph nodes can give the doctor information on whether a cancer is still localized or if it has started to spread, and can help distinguish lung cancer from mesothelioma.
It is often hard to diagnose mesothelioma by looking at the cells from the fluid around the lungs, abdomen, or heart. It is even hard to diagnose mesothelioma with tissue from small needle biopsies. Under the microscope, mesothelioma can look like several other types of cancer. For example, pleural mesothelioma may resemble some types of lung cancer and peritoneal mesothelioma may resemble some cancers of the ovaries. For this reason, special laboratory tests are often done to help distinguish mesothelioma from some other cancers.
These tests often use special techniques to recognize certain markers (types of chemicals) contained in mesotheliomas. One test called immunohistochemistry looks for different proteins on the surface of the cells. It can be used to tell if the cancer is a mesothelioma or a lung cancer, which can appear to start in the lining of the chest cavity. A newer test is called DNA Microarray analysis. This test actually looks at genes in the cancers. Mesotheliomas have different gene patterns than other cancers.
The electron microscope can sometimes help diagnose mesothelioma. This microscope can magnify samples more than 100 times greater than the light microscope that is generally used in cancer diagnosis. This more powerful microscope makes it possible to see the small parts of the cancer cells that distinguish mesothelioma from other types of cancer.

asbestos attorney

The word Asbestos comes from Greek, meaning “not flammable”. It refers to the fibrous form of several minerals and hydrous silicates of magnesium. Like other fibers, asbestos can be molded or woven into fabrics to make fireproof products such as safety clothing for fire fighters and insulation products such as hot-water piping.
California, Vermont, and Arizona are the leading asbestos-producers in the United States, most commonly through open-pit mining. About 6 percent of the mined ore contains usable fibers, which are separated from the ore by crushing, air suction, and vibrating screens. These fibers are sorted into different lengths, or grades to be used in fabrics, building-construction materials, textiles, missile and jet parts, asphalt and caulking compounds and paints, brake linings or molded goods, such as pipes and gaskets.
Today, it seems sadly ironic that the Romans made cremation cloths from it. Due to the nation's need for the special qualities that asbestos possesses, the roster of those at risk for asbestos exposure reads like a Who's Who of American Trades and Unions:
Auto and Truck Brake & Clutch Mechanics
Boilermakers
Carpenters & Joiners
Electricians
Heat & Frost Insulators & Asbestos Workers
Insulators
Ironworkers
Laborers
Masons & Bricklayers
Metal Refining Operations
Millwrights
Operating Engineers
Painters & Plasterers
Plumbing & Heating Contractors
Roofers
Sheetmetal Workers
Shipfitters
Steamfitters
Tilesetters
Workers in Foundries, and Steel Mills
Besides the construction workers involved in new construction or working near new construction prior to the 1970's, workers today are at risk in the renovation of older buildings. Mechanical systems, piping, duct work and equipment, were assembled and sealed with asbestos products. Asbestos sprays were used for fireproofing and sound proofing of decking and structural steel. Walls, roofing, electrical wiring and flooring contained asbestos components through the 1970's and, in some cases, even later.
"Asbestos related diseases" is the phrase used in medicine for the damage, pain and suffering caused by inhaling these deadly, generally microscopic fibrous slivers of mineral. Exposure can cause two different types of illnesses: malignant diseases (cancers in organs which have come into contact with ingested asbestos); and non-malignant diseases (scarring processes of organs which have come into contact with ingested asbestos). Scar tissue is a protective mechanism of the body. Cells collect around these tiny foreign bodies and try to seal them off. Unfortunately, scar tissue cells do not have all the properties of normal healthy cells. As they increase, body function decreases. Lung scar tissue has no elasticity and becomes unable to exchange oxygen cells. It becomes increasingly difficult to take a breath. Pleural plaques usually begin as very small areas of scarring but can grow and harden over time.
Asbestosis: Sometimes called pleural asbestosis, asbestos-related pleural disease, pleural plaques, pleural thickening, or pulmonary asbestosis, this is one of the most common of the asbestos related diseases. Actually scarring of the lining of the lung caused by asbestos exposure. It is untreatable and incurable. It may progress to a more severe condition, depending on other health factors of the victim.
Atelectasis: Pleural scarring causing a portion of the lung to fold onto itself. Inhalation can become extremely painful.
Cancer of the respiratory or gastro-intestinal tract: Asbestos may come in contact with the esophagus, larynx, stomach, colon and rectum. Airborne asbestos particles may be inhaled through the nose and mouth.
Lung Cancer: The Risk of death from lung cancer (also known as bronchogenic carcinoma) caused by asbestos exposure is 50 to 90 times higher for smokers who were exposed to asbestos. Non-smoking victims of exposure to asbestos died at a rate of 5 times greater than the general population. All lung cancer cell types such as adenocarcinoma, bronchoalveolar, small cell, large cell, oat cell and squamous cell carcinoma, can be caused by asbestos. Malignant mesothelioma: Even low exposures to asbestos can lead to the development of malignant mesothelioma, an inoperable cancer of the chest and abdominal lining. Carcinogens (cancer causing agents) are normally shown to be more dangerous as length or dosage of exposure increases.
Lung cancer or cancers of the respiratory or gastro-intestinal tract may be asbestos-related regardless of whether a person is also diagnosed with asbestosis or asbestos-related pleural disease.
In the past, the standard diagnostic procedures for asbestos related disease was through x-rays. Today, we are fortunate to have two newer procedures: low-dose spiral computed tomography and high resolution computed tomography (HRCT) - both of which are based on computer tomography (CT). that provide earlier detection. Earlier detection has increased not only survival rates, but also cure rates.
There are two things that you can do if exposed to asbestos.
Contact a physician to evaluate your risk of developing an asbestos-related disease, and to document your exposure to asbestos. Examination is painless. Delay in diagnosis and treatment can be fatal.
Contact a personal injury attorney who can counsel you in this complex legal situation. Your situation must be evaluated carefully in order to protect your rights fully. The law has established deadlines for filing claims or lawsuits for an asbestos-related disease. They are strict, and the clock begins ticking as soon as you are aware of the exposure. Several areas of personal injury law may apply to your case, such as:
Product Liability: Your exposure to asbestos may have been due to a faulty or defective product such as brake linings or asbestos lined gloves. Your asbestos attorney can evaluate your legal rights and advise you of possible compensation.
Professional Malpractice: Medical malpractice or negligence, leading to delay in treatment, incorrect treatment or missed diagnosis can be especially lethal in an asbestos related disease. Your lawyer can protect your rights and represent your interests.
Workers Compensation: Your asbestos exposure may have been job-related or happened on the job. Even though the company that you worked with when exposed to asbestos has filed for bankruptcy or has been bought by another company, you may still be entitled to compensation. Many of these laws are special federal laws relating to asbestos.
Wrongful death: Your family member may have died from an asbestos-related disease. Seek legal counsel before the statute of limitations becomes an issue.
Special Note: Prior to accepting an insurance settlement in a case of asbestos exposure or disease, it is wise to speak with a personal injury lawyer to evaluate your situation and to ensure that your interests are protected. Most personal injury attorneys provide free initial consultations and most will only be paid if you win your case and receive a judgment. Most often, personal injury attorneys will receive a percentage of the settlement awarded to you. Legal advice can save you time, trouble and money and can insure that you are treated fairly.

asbestos legal assistance

Asbestos Legal Assistance - Asbestos Law Firm
Did you know? It is estimated that 27.5 million Americans were exposed to asbestos between 1940 and 1979. Welcome to the leading source on connecting you with mesothelioma lawyer help.
This site is dedicated to providing important information on asbestos & mesothelioma cancers. We help mesothelioma patients and families make educated decisions about how to proceed with filing asbestos and mesothelioma claims.
Those dealing with asbestos and mesothelioma face a number of challenges, including the tremendous costs of treatment. If you were unknowingly exposed to harmful levels of asbestos, you have legal rights and there is help available for you.
Asbestos Law Firm - Experience
Law firms that we work with concentrate only on asbestos mesothelioma cases. We have experience with placing people with experienced asbestos law firms for five years. We will actually walk you though the process of connecting you with an experienced asbestos mesothelioma law firm in your state.
We help asbestos and mesothelioma patients and their families get in touch with legal and medical professionals. We help keep the public aware of new discoveries in treatments for Mesothelioma and Asbestos cancers. We also maintain a current online Mesothelioma Dictionary of Legal & Medical Terms and we keep you up to date on current legal settlements for asbestos cases.
Asbestos Law Firm - Choices
Deciding which law firm to represent you and your case is very important. Choosing the right law firm will also be important to your settlement. You are entitled to an experienced mesothelioma law firm who has a track record of success in asbestos lawsuits
Asbestos Law Firm - Loss of A Loved OneIf you or a loved one has been diagnosed with asbestos mesothelioma, or a family member has died as a result, you may be entitled to recover compensation from the companies that made these asbestos products.
Asbestos Law Firm - Filing a Lawsuit
It is not uncommon for there to be 10-20 parties that are named in a asbestos lawsuit that are located across the United States. For example, a worker in California may have been exposed to asbestos from asbestos products shipped from Libby, Montana or from an iron ore plant in St. Paul Minnesota. This is why it is very important to obtain an experienced asbestos mesothelioma law firm that knows all of the companies in each state who have responsibility for your asbestos exposure.
New Asbestos Cases
It has been well documented for many years that asbestos exposure can result in the development of deadly cancers, particularly Mesothelioma.
Mesothelioma has a latency period of 20 to 50 years after the first exposure to asbestos. It is estimated that there will be about 250,000 cases of Mesothelioma before 2020.
There are currently about 3000 new cases of Mesothelioma diagnosed per year, mostly in men over the age of 40. About 4,000 People die from Mesothelioma every year, the rare cancer caused by asbestos exposure. During the 20th century, some 30 million tons of asbestos were used in industrial sites, homes, schools, shipyards and commercial buildings in the U. S.
Through 2003, more than 700,000 People have filed claims against more than 6,000 Asbestos companies. These same companies knew of the dangers for many years before ever warning the public of those risks. It is thought that around eight million people in the United States have been exposed to asbestos over the past half a century, and many more cases - are expected to be reported in the next 25 years.
The National Institute of Health in 1978 estimated that eight to eleven million U.S. workers had been exposed to asbestos by that date. In fact, by 1970, it is estimated that some 25 million tons of asbestos were used in the U.S.
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.
Mesothelioma is most common in the pleura (outer lining of the lungs and chest cavity), but it may also occur in the peritoneum (the lining of the abdominal cavity) or the pericardium (a sac that surrounds the heart).
Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos dust and fibre in other ways, such as by washing the clothes of a family member who worked with asbestos. There are funds available for asbestos victims.
What You Need Top Know About Asbestos
By 1970, it is estimated that some 25 million tons of asbestos were used in the U.S. A history of asbestos exposure in the workplace is reported in about 80 percent of all mesothelioma cases. Eight million people in the United States have been exposed to asbestos over the past half a century.
Studies estimate that approximately 3,000 different types of commercial products include asbestos.
The National Institute of Health in 1978 estimated that eight to eleven million U.S. workers had been exposed to asbestos by that date.
Through 2003, more than 700,000 People had filed claims against more than 6,000 Asbestos companies. Many building materials used in both public and domestic premises prior to the banning of asbestos may still contain asbestos. The U.S. Occupational Safety and Health Administration (OSHA) set limits for acceptable levels of asbestos exposure in the workplace. In 2005, 2.2 million tons of asbestos were mined worldwide. Russia was the largest producer with about 40% world share followed by China and Kazakhstan.The first documented death related to asbestos was in 1906. In the early 1900s researchers began to notice a large number of early deaths and lung problems in asbestos mining towns.
The term Mesothelioma was not used in medical literature until 1931, and was not associated with asbestos until sometime in the 1940s.Asbestos exposure becomes a health concern when high concentrations of asbestos fibers are inhaled over a long time periodAsbestos was used in the first 40 floors of the World Trade Center towers causing an airborne contamination among lower Manhattan after the towers collapsed in the attacks on September 11th, 2001
Inhaled asbestos fibers remain in the body and cannot be expelled. Because of this, the fibers can easily penetrate body tissues and may deposit themselves in airways and in the lung tissue.
It is estimated that 27.5 million Americans were exposed to asbestos between 1940 and 1979. Mesothelioma has a latency period of 20 to 50 years after the first exposure to asbestos. Many asbestos-containing products remain in buildings, ships, industrial facilities and other environments where the fibers can become airborne. Mesothelioma from asbestos 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. Family members and others living with asbestos workers have an increased risk of developing mesothelioma, and possibly other asbestos related diseases. If you are a grieving family member or executor of the will of a person who has died from asbestos-related disease or mesothelioma, you may be eligible to file a claim as well.
Asbestos Lawsuit - Note of Urgency
The first known asbestos lawsuit was in 1929 in New Jersey. The first diagnosis of asbestosis was made in England in 1924. The first known US workers' compensation claim for asbestos disease was in 1927.Asbestos litigation is the longest, most expensive mass tort in U.S. history, involving more than 8,400 defendants and 730,000 claimants as of 2002 according to the RAND CorporationAnalysts have estimated that the total costs of asbestos litigation in the USA alone is over $250 billion.In 1999 recorded a whopping 200,000 cases pending in the Federal court system of the United States It is estimated that within the next 40 years asbestos cases may grow to seven hundred thousand cases. These numbers help explain how there are thousands of current pending cases.An experienced Asbestos Lawyer understands the unique complexities involved in this kind of litigation lawsuit, including asbestos product identification, specific asbestos-related medical issues, and specific time constraints that narrow the window of opportunity to file a claim. It's important to find the right Asbestos lawyer before your state's statutes of limitations expire, leaving you and your family grieving and empty-handed. There's no time to wait - contact our Asbestos lawyers today for a free case review.
It is not uncommon for there to be 10-20 parties that are named in an Asbestos lawsuit that are located across the United States. For example, a worker in California may have been exposed to asbestos from asbestos products shipped from Libby, Montana or from an iron ore plant in St. Paul Minnesota. This is why it is very important to obtain an experienced Asbestos lawyer knows all of the companies in each state who have responsibility for your asbestos exposure.

Asbestosis

Asbestosis

Alternative names
Pulmonary fibrosis - from asbestos exposure; Idiopathic interstitial pneumonitis - from asbestos exposure
Definition
Asbestosis is a respiratory disease caused by inhaling asbestos fibers.
Causes, incidence, and risk factors
Inhaling asbestos fibers can cause scar tissue (fibrosis) to form inside the lung. Scarred lung tissue does not expand and contract normally. The severity of the disease depends upon the duration of exposure to asbestos and the amount inhaled.
Asbestos fibers were commonly used in construction before 1975. Asbestos exposure occurs in asbestos mining and milling industries, construction, fireproofing, and other industries. In families of asbestos workers, exposure can also occur from particles brought home on the worker's clothing.
Asbestos-related disease includes pleural plaques (calcification), malignant mesothelioma, and pleural effusion. Mesotheliomas may develop 20 to 40 years after exposure.

Vitamine D deficiency may harm brian function

Low levels of vitamin D increase the risk of cognitive impairment in the elderly, according to findings from the nationally representative, population-based Health Survey for England 2000.
Despite the theoretical support for the role of vitamin D in maintaining brain function in old age, clinical data are lacking, the researchers note.
Therefore, Dr. David J. Llewellyn and his associates studied 1766adults, aged 65 or older, from whom blood samples were obtained to measure circulating vitamin D levels.
Cognitive function was measured using the Abbreviated Mental Test, which includes 10 questions to assess attention, orientation in time and space, and memory.
Based on scores of 70 percent or less, 212 subjects (12 percent) were deemed to be cognitively impaired.
The researchers found a significant association between lower levels of vitamin D and cognitive impairment.
After adjusting for factors that 
could influence the association, 
including co-existing illnesses, 
older adults with the lowest 
levels of vitamin D were more 
than twice as likely to be 
cognitively impaired as those 
with the highest levels.

Llewellyn, of the University of 
Cambridge and his colleagues 
suggest that vitamin D 
concentrations may help 
doctors in screening for 
cognitive impairment.

"Further research," they 
conclude, "is needed to 
investigate whether vitamin D 
supplementation is a cost 
effective way of reducing the 
incidence of cognitive 
impairment with few adverse 
events."

SOURCE: Journal of Geriatric 
Psychology and Neurology, 
February 2009.

Matters of the Heart: Helping a Family Member with Heart Disease

When someone we love is hurting, it's only natural to want to help them in every way possible. If a family member is dealing with a cardiac disease, our ability to help can be hindered by a number of factors. But with a little effort, we can overcome these challenges and provide the right kind of support.
"When doctors send our patients home, we often assume that everything we say and suggest and prescribe is going to be followed up on," admits Dr. Cam Patterson, chief of cardiology at the University of North Carolina Hospitals in Chapel Hill. "But there are all kinds of ways an excellent clinical plan can be derailed."
To keep that from happening, Patterson suggests that family members do the following:
1. Understand the illness. The most common obstacle is not having enough information on the condition. Start by consulting with the cardiologist about your role in rehabilitation and recovery. It's also a good idea to talk to your loved one about how much she or he is willing to share with you, and by gauging how well she or he understands the condition.
2. Manage medications and follow-up appointment. With new routines and medications, patients can get frustrated. This is where family members can be a huge help. Make sure you understand the purpose, dosage and side-effects of each medication, and that you are aware of all appointments for doctor visits and cardiac rehab sessions.
3. Participate in lifestyle changes. Most cardiac patients have to make significant changes in exercise and diet. Success rates skyrocket when a family member or friend participates. For instance, the American Heart Association reports that people are 76 percent more likely to stay on their walking program if someone else is counting on them.
4. Watch for emotional responses. It's not uncommon for cardiac patients to become depressed or go into denial. If your loved one becomes angry or withdrawn, or if you notice other major changes in his or her personality, talk about it together. And if you're really concerned talk to the cardiologist, nurses or any primary care provider. Even clergy members can help.
5. Get active. Activity levels will be limited for most patients, but it's important for family members to help them get on with their lives. Reintroduce your parent or spouse to what they do on a day to day basis, like going back to church or working on a hobby - the things that make life fulfilling.
And there's something you can do for yourself, too. Since heart disease has a genetic component, it's important for children and siblings to know their heart health status by making an appointment with a physician. For spouses, it's important to make sure you have your own support system -family, friends, clergy, support groups, etc. - to help you manage the emotions you may encounter in caring for a loved one. You can't help if you're not healthy yourself!
"It's important to realize that your family's going to have to make adjustments because of this severe illness, but you can't let it get in the way of being a family," Patterson says.
Patients with serious conditions like heart disease often feel alone or don't want to be burdens on their families. Following these steps can help you support your loved one on the road back to a full and meaningful life.
Source: University of North Carolina at Chapel Hill School of Medicine
Provided by ArmMed Media
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Palsy witnesses

Aliasghar Kiyaei-Multiple 
Sclerosis (IRAN)

Ali was diagnosed in 1990 with 
MS and experienced rapid 
determination of his body 
functions.Dr. Li Ke Wu and Dr. 
Xiaojuan Wang managed to 
improve his quality of life 
significantly through stem cell 
treatment.

Name: Aliasghar Kiyaei

Sex: Male

Age: 43

Begin of treatment: 31. Dec. 
2008

Medical History before 
stem cell treatment:

Ali's symptoms started to 
manifest when he was 17 with 
blurry eyesight, dizziness and 
nausea. At that time he was 
diagnosed with Food poisoning. 
Around 6 years later he 
started to feel experience 
weakness throughout his body, 
and problems with his balance 
and his walking started to 
manifest.

After he went through the 
stressful military service two 
years later and it seems that 
this triggered more severe 
attacks on his balance and 
movement. In the following 
period he visited many doctors 
and specialists and in the year 
1990 he was diagnosed with 
multiple sclerosis.

From that point on his condition 
worsened very fast. In 1992 he 
was not able to walk anymore 
and forced to use a wheelchair, 
in 1993 he was confined to bed. 
He wasn't able to move his legs 
or his arms anymore and his 
sense for balance was gone 
completely.

Upon arrival in our clinic Ali was 
not able to move at all. He could 
only lie in one position and was 
neither able to move his arms 
nor his fingers, legs, head or 
neck. He seemed generally very 
week and somewhat lifeless.

He had problems swallowing; 
sometimes he would choke or 
cough while he was eating. Also 
breathing was troublesome for 
him, especially sitting in an 
upright position because he had 
no control over his head or 
neck.

His speech had deteriorated to 
a point where he couldn't 
express himself verbally at all 
and where he was only able to 
make some very small and not 
understandable noises.

After the Stem Cells 
Treatment

The biggest change in Ali could 
be seen after receiving the 
second stem cells injection. 
"Directly one day after the 
second injection" as his brother 
Riza remembers "he looked 
fresher, as like life returned to 
his body"

Ali was able to lift his arms and 
had more control over his head 
and neck. His speech improved 
significantly, giving him the 
ability to again express himself 
verbally in an understandable 
voice. It seemed like strength 
returned to his body.

Around one month after the 
treatment he made great 
progress with his body 
movement. He is now able to 
control his arms, and starts 
controlling his fingers as well. He 
can already touch his thumb 
with his index finger, which is an 
important development in terms 
of fine-motorist skills. He is able 
to participate in phisio-therapy 
actively and to do his exercises 
every day. He is also able to 
breathe normally and coughing 
while he is in a sitting position is 
reduced significantly.

PATIENT STORY

Penny Thomas-Parkinson 
Disease(USA)

Name: Penny Thomas

Sex: Female

Country: USA

Age: 52

Diagnosis: Parkinson's 
Syndrome

Medical history before 
stem cell treatment:

Penny was diagnosed with 
Parkinson's eight years ago.

BEFORE THE TREATMENT (May 11, 
2006): Penny suffered under 
uncontrollable shaking. Her 
muscles were extremely tense. 
She had high muscle tensions 
and although she looked like 
she was extremely strong, in 
fact her muscles were very 
weak. When she was walking or 
doing anything, she would have 
freeze ups during which she 
would stop and not be able to 
continue her motion. When she 
was talking on the telephone, 
her situation would make it 
difficult to maintain a proper 
conversation. She could not 
read or write because of the 
tremors she experienced. She 
could not eat by herself. She 
could not get out of a bed or 
out of a chair by herself. She 
could not brush her hair. She 
had trouble turning her neck.

Penny received injections of 
retinal neural stem cells into 
the brain of retinal neural stem 
cells and a daily cocktail 
treatment of neurotropic 
factors by Dr Li Ke Wu and Dr 
Xiaojuan Wang.

After stem cell treatment 
(July 4th, 2006):

Penny's shaking was greatly 
reduced but it still came back 
from time-to-time. She noticed 
that after the treatment at 
times when the shaking did 
come back, that if she 
concentrated, she could stop it. 
The muscle tensions had 
disappeared. Her strength 
increased. The freeze ups 
stopped completely. She could 
read and write again. She could 
speak on the telephone. She 
could eat by herself. She could 
get out of a chair and out of a 
bed by herself. She could turn 
her neck normally and she could 
brush her hair.

July 21st: (From an e-mail from 
Penny) - I have returned home 
safely. I am driving once again 
after passing my driver's exam. 
In October I gave up my driving 
because I did not feel I was safe 
anymore and it was just adding 
too much stress to my life. 
Friends are amazed at what 
they see they just keep staring 
at me...my self confidence has 
returned also. I went sailing the 
other day... I actually was at 
the helm of the boat for 2 and 1
/2 hours! I feel like I'm a kid 
again.

October 25th: (From an e-mail 
from Penny) - Aloha, I have 
recently returned from 
traveling for a month on the US 
mainland visiting friends and 
relatives. I even attended my 
35 year high school class 
reunion! My how time does 
change us all and flies by.

I continue to be in a state of 
great excitement and joy for 
life. I used to ride horses quite 
regularly in Colorado, so my 
friends made sure that I had 
that experience as well during 
my visit. I was in heaven!

I saw my 15 year old daughter 
after not seeing her for 3 
months. The first thing she said 
was "Mom, is that you? You're 
so strong!"

I am still swimming with the 
dolphins in the ocean when they 
choose to come to swim with me!

I am hoping to be able to start 
to make some reductions of the 
medications to see how the 
stem cells will respond soon. I 
have noticed that I have been 
missing some of my 10pm meds 
(because I fell asleep reading) 
and so I am noticing my body 
seems to be okay with this.

I have also discovered a more 
natural way to feed the brain L-
dopa by an herb known as 
Macuna puriens. There is a 
website that has a neuro-
program, that my doctor is 
going to help me to be 
monitored and involved with. It 
will actually help the stem cells I 
believe to produce the dopamine.

You might want to check out 
the websites that I have looked 
at, they are, 
www.CHKNutrition.comand 
www.neuroassist.com. I know 
there are urinalysis every week 
or two to determine the 
dopamine levels in the beginning. 
I think this is a very important 
step for people to be able to 
take in order to step away 
from prescription meds if they 
can. I tried a sample instead of 
Sinemet one afternoon, it 
seemed to work fine in its 
place, but of course, that was 
only once.

Cerebral palsy Treament

Stem cell treatment of 
Cerebral palsy

Cerebral palsy

Cerebral palsy refers to a 
group of non-progressive, non-
contagious conditions that 
cause physical disability and 
applies to the cerebrum in the 
brain and the disorder of 
movement.

The brain damage normally 
doesn't worsen, but secondary 
diseases are very common. Most 
notable are various orthopedic 
difficulties and motor disorders, 
arthritis and osteoporosis.

The Xcell-Center Cerebral 
Palsy treatment

The stem cells are first 
collected from a patient's bone 
marrow, extracted from the 
hipbone (iliac crest) then 
implanted back into the body 
days later. Prior to re-
implantation of the cells, the 
bone marrow is processed in 
one of our labs, where the 
quantity and quality of the 
stem cells is also checked.

These re-injected stem cells 
have the potential to transform 
into multiple types of cells and 
are capable of regenerating 
damaged tissue. Our innovative 
stem cell treatments use the 
self-healing potential of each 
patient's own body to stimulate 
regeneration or repair.

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County files suit against amphitheater insurers
April 5th, 2008
The insurance covers the company, Toyota pavilion, erecting Mountain "false" the amphitheatre of reporting on the former president Commissioner Robert C. Cordaro, say the district commissioners, in a complaint filed Wednesday.
County counsel Larry Moran a formal complaint against housing and sanitation Insurance Exchange, Foxco Insurance Services Inc management, insurance and independent agents Dominic Verrastro. The complaint was signed on behalf of members of the Commission and Corey Washo Mike O'Brien, and in collaboration with the Commissioner AJ Munchak.
The county and insurance companies have, in a dispute relating to the coverage of the tent roof, which collapsed under the weight of heavy snow in February 2007.
Charles Jr. And M. Volpe Verrastro have both said, The Times-Tribune, she informed that Mr. Cordaro insurance was cancelled when the mounting Ski Resort was sold in November 2006, before the collapse of the roof of the amphitheater heavy snowfall around February 14, 2007. Both locations were the result of a common policy.
The complaint alleges that the insurer has never been formally cancelled by a person authorized to do so on behalf of the province.
Joe Durkin, Clarks Summit-based J. Durkin Insurance Consultants, which manages the assurance of the protection of the amphitheater, and said that Mr. Verrastro abandoned politics. Mr. Durkin also said earlier, only the owner of the policy - no agent - could cancel the policy.
Mr. Volpe has always said that Mr. Durkin overruled by the policy.
In fact, Mr. Cordaro acknowledged The Times-Tribune, he felt that the policy was abandoned because Mr. Volpe, M. And M. Verrastro Durkin told him, the policy was abandoned.
Mr. Cordaro, he said that the public opinion at the time, but he has followed the reimbursement in November 2007, after the election that he had lost.
In an article on February 2, "said Cordaro pay someone, but he did not want the insurance agent, the potential political consequences of the election for one year.
HARIE holder of the insurance policy is at the centre of debate on the assurance of protection of the roof of the amphitheatre.
Foxco manages HARIE operations management, and
Mr. Verrastro is one of the independent insurance agents who were doing business for Foxco and also served as coordinator of insurance in the county from 2004 to 2007.
The circle of the complaint asserts that neither Mr. Neither Mr. Verrastro Durkin were permitted to denounce the policy and that policy has not been cancelled.
Mr. Volpe said that Mr. And Mr. Verrastro Durkin knowledge of the cancellation of knowledge in the province.
HARIE and Foxco filed an appeal against the February 11 Mr. Washo, Mr. O'Brien, M. Munchak, Mr. Cordaro and Mr. Durkin, the court found that the roof does not cover at the time of its collapse.
On February 11 appeal, the Court also of the question, the insurer is not liable for the payment of the debt of the county.
Frank Ruggiero, a lawyer and Foxco for HARIE, said that the appeal he had not seen and could not comment. However, he said that he had introduced pleased, added: "We can start for us, and how they are transmitted on the topic of hand."
One case of insurance was introduced late, and thereafter on Jan. 17 denying HARIE, Jan. 29.
The circle of the complaint, said the accused "knew or should have known, that the ski area has been separated from the amphitheatre in possession of the province.
The circle of the city action for failure, insurance bad faith, breach of fiduciary duty and negligence on the part of the accused.
Bad Faith Insurance
Insurance Attorney
Stan Walker: Great heart, great loss
April 5th, 2008
Stan Walker died of cancer this week. He was a photographer and a colleague of longstanding The Post-Standard. His death came quickly breathtaking. Some of us had not even known he was sick.
At the heart of the newsroom to our shock, Frank Ordonez - a magnificent Photographers -Today, a comment that I thought was the simplest and most beautiful epitaphs:
It is impossible, said Frank to find a single bad thing to say Stan Walker.
This was not,. Frank nailed. Stan was sympathetic, concerned, always optimistic. It was a real audience. It was also enthusiastic about the plight of children in the city who has volunteered to him countless hours working with children.
Stan was African Americans, and he did what he could to repair the damage and life of the child before ice. It does speak silently on the obstacles of childhood, many boys and girls he knew. He would only say that it was a sheer lack of the family, as it is easy to write, savage and destructive patterns of American history, cultural ties deep scars or wounds saignantes.
These reflections led to a number, we worked together in 2003, under the leadership of editor John Lammers, a series based on a simple principle: We went to Syracusans in their daily activities of 50 and 60 years, done and went to work every day, men and women were not wearing the bitterness of their sleeves - or people who historically developed in the trunk of a barbarism "Jim Crow" system to attack the fabric and the essence of family life. The idea was simple, that the readers to reflect on the very essence of what is a crime against humanity - an experience than simply too true for those who live.
Compilation of the series participates courage of the people with stories to tell. They were tried humiliating stories that are not easy to share, stories today, which is difficult for children to understand. Stan, in his heart, and the photos, I think, something deeper captured. I published these photographs and text on the blog.
Bad Faith Insurance
Insurance Attorney
Car Insurance - Islington forks out the highest car insurance bill in the UK - 03/04/2008
April 5th, 2008
Residents in the London Borough of Islington are paying the largest premiums in car insurance. According to a recent survey conducted by actuarial consultancy EMB, the average annual premium paid for car insurance stands at £745 a year.
Despite Islington's reputation for being an affluent area in London, theft is a huge problem in the borough. People living there are paying double the amount that residents in South Cambridgeshire are paying, where premiums are at their lowest in the country.
Karl Murphy, a partner at EMB, said: "Insurance premiums are typically higher in cities than rural areas because of the combination of high crime and unemployment rates.
"About half of a contents premium will be based on the likelihood of theft. Quite simply, Islington has a high density of young, unemployed males and it is this section of the population that is most likely to commit crimes against property and motors."
Car Insurance
Insurance Attorney
Aflac's Duck Means Business This Time
April 5th, 2008
Aflac Duck is with its famous symbol of the trial of a goose its business-to-business transactions.
Providers Insurance has launched a new campaign under the name of "Aflac for Business", including the written press, radio and online advertisements, as well as its own website (www.aflacforbusiness.com), and two TV spots with the Aflac Duck.
A message displays print Aflac Duck in a garden of the children's hospital with a title that says, "If this hospital was told that Aflac has been delivered, does not give rise to direct costs, it was a welcome addition. " Another displays the work Duck in a mechanical workshop and said: "How Aflac can help you make more of their mileage benefits package." Radio ads with a similar subject, so that the message that insurance companies may Aflac packages at no direct cost to the company.
"Business-to-Business has always been an important part of our sales efforts. Indeed, 99% of our products are represented by the employer," said Al Johnson, vp-marketing services Aflac, Columbus, Ga. " This year, "We wanted a message that some of businesses' hot buttons. We agree with the Aflac Duck, to help people identify the brand."
Aflac's goal is to the business audience. So, the role of Duck, in the countryside, where they discussions on the specific insurance policies, which may help companies to attract staff and complement existing plans. The duck is also in the business while maintaining the parameters of skill and its tendency to emerge and barely scenarios.
The Aflac Duck resumed its brand identity after she was in advertising in the year 1999. He served, to recall "quack, quack" sounds like the brand name. Last year, then-CMO Jeff Herbert, the company that in October 2006, it was said that, in view of eliminating Duck. Herbert occurred a year later, the duck and remains an integral part of the mark Aflac. "Duck is here to stay, despite the misunderstandings about our former CMO," said Johnson. "We have more 95% of brand awareness with the duck. "
The insurance had already launched a campaign on small businesses. The new initiative will be much broader, with messages that speak for small, medium and large enterprises.
Print ads appeared in The Wall Street Journal, Fortune, Fortune SB, Inc., Fast Company, Executive VP, HR Magazine, hospitals and health networks, health and human resources Leaders Pulse. Ads will be posted on AOL, Yahoo! Entrepreneurs, LinkedIn, and several other monsters. TV Spots have turned to the end of April and May is in the air. The Kaplan Thaler Group, New York, the creator manipulation.
Aflac $ 85 million on media in the United States in 2006, not online, and is increasing its spending $ 90 million over the last year by Nielsen Monitor-Plus.

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important differences in 
disability policies to help you 
make an informed decision.

Group disability policies for your 
firm are also available.

Individual Disability Quote 
Request

Long Term Care

Who will pay for your long-term 
care? The choices are:

Personal assets
Medicaid
Private long-term care insurance

A carefully designed long-term 
care plan can supplement your 
projected retirement income or 
completely cover the cost of an 
illness.

Lawyers Insurance has a 
discounted plan for North 
Carolina Bar Association 
members, spouses, parents, 
grandparents and adult 
children. We also work with 
firms to implement group 
coverage. Contact our long-
term care specialist, Misty 
Smith, with any questions 
and/or visit her web site to 
learn more.

www.sssltc.com

Southeastern Senior Strategies, 
LLC
Misty Smith
Phone: 866-582-5260
Fax: 919-550-1678
Email: ncbaltc@aol.com

Life Insurance

We will assist you in getting the 
best rate to meet your 
individual life insurance needs 
from a top-rated carrier. Or 
perhaps you need a buy-out 
policy to secure your business. 
We also offer the NC Bar 
Association Group Life Plan for 
your firm's employees at benefit 
levels from $10,000 to $150,000.

Individual Term Life Quote 
Request

Dental Insurance

Contact us for a quote on 
affordable group plans for firms 
with 3 or more employees.

Lawyers Insurance can also 
assist you with:

Medicare Supplement

Disability Income

Long Term Care

Life Insurance

Dental Insurance

AUTOMOBILE INSURANCE

Automobile Insurance

Everyone knows what 
automobile insurance is, but not 
everyone has it or has the 
right coverage. In return for 
paying premiums, insurance 
companies and vehicle owners 
sign contracts to provide 
coverage for certain expenses 
resulting from using automobile. 
Some states require full 
coverage (New Jersey), some 
just require liability insurance. In 
addition to paying for car 
repairs and maintenance after 
an accident, it may also pay for 
medical expenses, uninsured or 
underinsured motorist collisions, 
and a new vehicle and more.

Determining the right policy for 
the best premiums can be 
terribly confusing and time-
consuming. Here are some 
articles about the different 
types of insurnace and what to 
look for in a good policy. Even 
though you may think you don't 
need it, it's a good idea to 
protect yourself, your family 
and your property from 
potential lawsuits and financial 
loss.

NATURAL DISASTER

A natural disaster occurs 
when a catastrophic event, 
such as a hurricane, a flood, an 
earthquake, a volcanic eruption, 
a landslide, a blizzard, or some 
other natural phenomena 
causes extensive human 
casualties, property damage, or 
both. The Federal Emergency 
Management Agency (FEMA), 
plans for, responds to, and 
assists with the recovery from 
both natural and manmade 
disasters, such as Hurricane 
Katrina and 9/11.

REINSURANCE

Reinsurance is a method for 
an insurance company to share 
the risk of large losses with 
other insurance companies. It is 
insurance purchased by an 
insurer, and it spreads risks 
across alternative institutions 
to protect against unforeseen 
or extraordinary losses. It 
functions in the same method 
as insurance but on a larger 
scale. For consideration, a 
reinsurer agrees to indemnify 
the ceding company against all 
or part of the loss it could 
sustain under the policies which 
it has issued. It generally 
involves a pool of specialist 
reinsurers, such as earthquake 
and hurricane reinsurers, 
operating on a global basis. This 
enables a client to obtain 
coverage that is beyond the 
level of risk that a single 
company can assume.

INSURANCE LAWSUIT

Insurance Lawsuits

Insurance of any kind is a 
contract and if you're insurance 
company has denied your 
insurance claim or if you have 
been the victim of bad faith 
insurance you should consider 
finding an attorney at advocate 
for you.

Some Good Hands Insurance 
Companies Do Very Bad 
Things When It Comes to 
Paying Claims

Insurance companies of all kinds 
are notorious for being tight 
fisted about reimbursing you 
for claims. Whether you have 
been in a car accident, had 
significant hurricane damage to 
your home or you are seeking 
coverage for a health insurance 
related issue, the universal 
factor is having to deal with 
insurance companies, claims and 
adjusters. When you purchase 
an insurance policy, you are 
entering into a binding contract 
with the firm. As you pay your 
premiums each month and year, 
you are holding up your end of 
the bargain and when 
something bad happens to you, 
they are supposed to hold up 
their end.
All too often, insurance 
companies are more interested 
in their bottom line than they 
are in holding up their end of 
your contract. This is why 
attorneys are called to get 
involved in so many insurance 
claims - because otherwise the 
insurance company may think 
that can get away with bad 
faith insurance representation. 
Bad faith insurance occurs when 
an insurance company unfairly 
and incorrectly denies a claim 
by a member of their insured 
constituency.
Insurance companies can commit 
"bad faith insurance" activities 
several ways.

An insurance company can delay 
examining an insurance claim. 
This means that they may delay 
calling you back in regards to a 
claim, they may hesitate to 
send out an adjuster or 
facilitate a meeting with an 
adjuster, or they may just 
ignore your claim altogether for 
a significant period of time.
An insurance company may 
unjustly delay paying out on a 
claim. Your claim may have been 
approved by the adjuster and 
then be held up by red tape 
within the insurance company. 
Perhaps they are suddenly 
demanding alternate methods 
of proof or they continue to 
maintain that they have sent 
payment, when they have not.
An insurance company may 
suddenly interpret the 
insurance policy in an 
unreasonable fashion. Perhaps 
they have a special clause, or 
they have decided that your 
claim can be manipulated to no 
longer fit within the bounds of 
the contract. This can be seen 
in most of the Hurricane Katrina 
cases against insurance 
companies as they argue over 
damage caused by the 
hurricane and windstorm versus 
flood insurance coverage.
An insurance company may 
improperly deny your claim 
outright and refuse to settle 
your claim or case and pay for 
your loss.
Insurance Bad faith is a breach 
of the insurance policy contract 
between you and your 
insurance company and, as they 
delay, they are also responsible 
for any losses or injuries 
sustained or created by their 
delay to process the claim in 
good faith. If it can be proven 
that an insurance company is 
acting in bad faith and that 
they are being unreasonable or 
misleading, a policy holder can 
file an insurance company 
lawsuit to get compensation 
and punitive damages that 
exceed the amount of the 
original insurance policy.
Bad faith insurance can occur in 
association with any insurance 
company. Bad faith insurance 
claims have been filed against 
HMO's and managed healthcare 
organizations, homeowner's 
insurance companies and 
disability insurance companies.
If you feel as though you're 
insurance company has acted in 
bad faith in handling your 
insurance claim or if your claim 
has been unfairly denied, you 
may have the basis for a 
lawsuit against your insurance 
company. You should contact an 
attorney as soon as possible if 
you feel this is happening to you.

Bad Faith Insurance: What are They're Tactics?

Generally, these insurers employ 
tactics that will try to wear 
you down; they count on you 
not having any recourse. An 
insurer may attempt to refuse 
to pay all or part of your 
medical bills or delay 
investigation of your claim for 
no reason except to hope that 
you will go away.
Other tactics include the 
following:

A 24-month limitation on 
benefits for mental and nervous 
conditions
Knowingly applying the wrong 
legal definition of disability when 
denying claims
Purposely targeting high-cost 
claims for denials
Misuse of claimants' medical 
records
It is hard to believe that bad 
faith insurers can practice bad 
faith--until it happens to you. 
Insurance complaints have 
increased drastically over the 
last several years but there is 
also a positive side to this: 
public attention has demanded 
that insurance companies are 
now held accountable. Thanks in 
part to the Freedom of 
Information Act and the 
Internet, insurers can no longer 
get away with bad faith 
insurance practices. More 
lawsuits against crooked 
insurers are being fought and 
won today than ever before.

What Can You Do?

Write to your State 
Department of Insurance. In the 
U.S., each state regulates 
insurance companies and every 
state has its own Department 
of Insurance website. Once you 
know the website of your state 
regulatory agency Department 
of Insurance, find the right 
representative and submit a 
complaint in writing to make 
sure that your claim is on 
record.
Keep a record of everything 
that transpires between you 
and your insurer, including 
phone calls. Keep a paper trail. 
And request copies of your 
medical records - it is your right.
You can go to small claims court 
but each state has its own limit 
- find out first. If your claim is 
too high for small claims court, 
you may want to seek legal help.

Bad Faith Insurance Legal 
Help

If you have been denied a 
legitimate insurance claim, 
please click the link below to 
send your story to a lawyer 
who will evaluate your claim at 
no cost or obligation.
[FREE BAD FAITH INSURANCE CASE 
EVALUATION]

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