Many types of financial assistance is available for those who have been diagnosed with mesothelioma. Social Security Disability Insurance (SSDI), private disability insurance, health insurance, clinical trials and workers' compensation benefits are all viable financial assistance options for people looking for help with mounting medical bills and other costs associated with asbestos-related conditions.
A number of funds and foundations in the private sector have also been established for mesothelioma sufferers and their families. These organizations raise funds to help sufferers pay for costs that include treatment, medication and living expenses. Examples of these foundations are the Mesothelioma Research Foundation of America, which funds laboratories that develop new drugs that can help mesothelioma patients, among other things. Other organizations, such as the Mesothelioma Treatment Centers, support research efforts, provide patients with both financial and legal assistance and grant access to the best doctors and patient care.
Government-sponsored programs, such as SSDI, pay benefits to disabled workers, their spouses and dependent children. SSDI also helps the relatives of retired or deceased workers by providing benefits to help them through the financial difficulties that come with mesothelioma. To find out more, visit your nearest Social Security office or visit www.ssa.gov.
Private disability insurance is a policy taken out by the patient or the patient's family. Normally, insurance companies requires a medical explanation from the insured's physician. In the case of mesothelioma, most patients experience little resistance to paying out benefits.
These benefits include funds to help pay for some of the costs associated with mesothelioma, such as testing, treatments and prescriptions. Patients should look very closely at their health insurance policy because diagnoses such as mesothelioma and other asbestos-related cancers may be explicitly excluded in the policy's coverage.
Many drug companies, hospitals, researchers and physicians take part in clinical trials as a way to curtail expenses. Sponsors of these trials usually cover costs related to the treatment as well as travel, if the patient has to travel extensively. Other times, some of these costs may be covered in the patient's health insurance. In this situation, it is a good idea to discuss your financial situation with a representative from the research team. It may be possible to discuss the details of health plan coverage for mesothelioma and its treatments.
Because mesothelioma is caused by asbestos exposure in the workplace, those whose condition developed on the job or as a direct result of it may be eligible for workers' compensation benefits. These benefits usually provide for medical expenses and partial pay while the worker is disabled. Workers' compensation benefits are in addition to those you may be owed from the company directly.