By the time that a worker exposed to asbestos on the job develops mesothelioma, they have probably already moved on to another job or even retired. Mesothelioma is a cancer of the organ linings that usually proves fatal within five years of diagnosis. It is notorious for taking years or more often decades to cause noticeable symptoms after a job-related asbestos exposure.
Given that a worker may already have retirement benefits and Medicare because of their age, they may think that they don’t need to seek compensation after a mesothelioma diagnosis. The idea of needing to fight insurance companies or go to court while also coping with a life-threatening illness may seem overwhelming. However, wanting to pursue the most effective treatment possible could be a very good reason to seek financial compensation.
New treatments are often not covered by private insurance or Medicare
Insurance programs ranging from private policies and supplemental coverage to government-run insurance programs strictly limit what treatments are covered. Insurance companies often have rules about how much a medical facility can charge for certain treatment and may restrict treatment options.
Cutting-edge medications like immunotherapies that can increase your lifespan may not be available through your insurance provider. Instead, you will need to find a way to pay out-of-pocket for those treatment costs or go without them. Filing a claim against your former employer or an asbestos bankruptcy fund could help you get the money you need connect with treatments that could improve your life and extend your life span.
Coping with a mesothelioma diagnosis often requires being realistic and pragmatic about your opportunities and needs in the upcoming years. It’s wise to seek legal guidance to make sure you’re pursuing all possible avenues of compensation.