Promina Group Shares Slide on Higher Asbestos Claims
Shares in Promina Group Ltd., Australia's second-biggest general insurer, had a record slump after higher-than-expected asbestos-related claims made its policies less profitable.
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The company's insurance margin, a measure of profitability, dropped to 10.1 percent last year from 10.4 percent in 2003, Sydney-based Promina said in a statement today. Net income in the second half of the year rose 56 percent to A$254 million ($200 million) after stock gains boosted investment earnings.
Promina increased provisions against asbestos claims 59 percent to A$204 million in the second half and doubled its forecast for future cases of mesothelioma, a related disease. The company is liable to claims that cover workers compensation.
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posted by Mike Graham at 1:39 PM
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Mesothelioma is a rare disease caused as a result of malignant cancerous cells lining the patient's body cavities such as chest, abdominal region or the area surrounding the heart.Your legal rights:
Corporations that manufacture asbestos products have known about the dangers of asbestos-related diseases for more than six decades. In an effort to increase profit, they kept this information quiet, putting workers and families at risk.
Working with asbestos causes serious diseases. Unfortunately, many corporations thought they would be able to cut corners and make a large profit at the expense of endangering workers. Fortunately, there are laws that help to protect those individuals that have been harmed by exposure to asbestos-related products.
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Mesothelioma
is a rare form of cancer in which malignant (cancerous)
cells are found in the Mesothelioma
a protective sac that covers most
of the body's internal organs. Most people who develop Mesothelioma
have worked on jobs where they inhaled asbestos particles.
What is the Mesothelioma
?
The Mesothelioma
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 Mesothelioma
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 Mesothelioma
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. The pleura is the membrane that
surrounds the lungs and lines the wall of the chest cavity. The
pericardium covers and protects the heart. The mesothelial tissue
surrounding the male internal reproductive organs is called the tunica
vaginalis testis. The tunica serosa uteri covers the internal
reproductive organs in women.
What is Mesothelioma
?
Mesothelioma
(cancer of the Mesothelioma
) is a disease in which cells
of the Mesothelioma
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.
How common is Mesothelioma
?
Although reported incidence rates have increased in the past 20 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.
What are the risk factors for Mesothelioma
?
Working with asbestos
is the major risk factor for Mesothelioma
. A
history of asbestos
exposure at work is reported in about 70 percent
to 80 percent of all cases. However, Mesothelioma
has been reported in
some individuals without any known exposure to asbestos
asbestos
is the name of a group of minerals that occur naturally as
masses of strong, flexible fibers that can be separated into thin
threads and woven. asbestos
has been widely used in many industrial
products, including cement, brake linings, roof shingles, flooring
products, textiles, and insulation. If tiny asbestos particles float
in the air, especially during the manufacturing process, they may be
inhaled or swallowed, and can cause serious health problems. In
addition to Mesothelioma
, exposure to asbestos
increases the risk of
lung cancer, asbestos
(a noncancerous, chronic lung ailment), and
other cancers, such as those of the larynx and kidney.
Smoking does not appear to increase the risk of Mesothelioma
. However,
the combination of smoking and asbestos
exposure significantly
increases a person's risk of developing cancer of the air passageways
in the lung.
Who is at increased risk for developing Mesothelioma
?
Asbestos has been mined and used commercially since the late 1800s.
Its use greatly increased during World War II. Since the early 1940s,
millions of American workers have been exposed to asbestos
dust.
Initially, the risks associated with asbestos exposure were not known.
However, an increased risk of developing Mesothelioma
was later found
among shipyard workers, people who work in asbestos
mines and mills,
producers of asbestos
products, workers in the heating and
construction industries, and other tradespeople. Today, the U.S.
Occupational Safety and Health Administration (OSHA) sets limits for
acceptable levels of asbestos
exposure in the workplace. People who
work with asbestos wear personal protective equipment to lower their
risk of exposure.
The risk of asbestos
related disease increases with heavier exposure
to asbestos and longer exposure time. However, some individuals with
only brief exposures have developed Mesothelioma
. On the other hand,
not all workers who are heavily exposed develop asbestos
-related
diseases.
There is some evidence that family members and others living with
asbestos workers have an increased risk of developing Mesothelioma
,
and possibly other asbestos
-related diseases. This risk may be the
result of exposure to asbestos dust brought home on the clothing and
hair of asbestos workers. To reduce the chance of exposing family
members to asbestos fibers, asbestos
workers are usually required to
shower and change their clothing before leaving the workplace.
What are the symptoms of Mesothelioma
?
Symptoms of Mesothelioma
may not appear until 30 to 50 years after
exposure to asbestos. Shortness of breath and pain in the chest due to
an accumulation of fluid in the pleura are often symptoms of pleural
Mesothelioma
. Symptoms of peritoneal Mesothelioma
include weight loss
and abdominal pain and swelling due to a buildup of fluid in the
abdomen. Other symptoms of peritoneal Mesothelioma
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.
How is Mesothelioma
diagnosed?
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 and lung function
tests. 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. A biopsy may be done
in different ways, depending on where the abnormal area is located. If
the cancer is in the chest, the doctor may perform a thoracoscopy. In
this procedure, the doctor makes a small cut through the chest wall
and puts a thin, lighted tube called a thoracoscope into the chest
between two ribs. Thoracoscopy allows the doctor to look inside the
chest and obtain tissue samples. If the cancer is in the abdomen, 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.
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.
Mesothelioma
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, lungs, chest wall, or abdominal
organs.
How is Mesothelioma
treated?
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 chest or abdomen and some of the tissue
around it. For cancer of the pleura pleural Mesothelioma
, a lung may
be removed in an operation called a pneumonectomy. Sometimes part of
the diaphragm, the muscle below the lungs that helps with breathing,
is also removed.
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).
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
chest or abdomen (intracavitary chemotherapy).
To relieve symptoms and control pain, the doctor may use a needle or a
thin tube to drain fluid that has built up in the chest or abdomen.
The procedure for removing fluid from the chest is called
thoracentesis. Removal of fluid from the abdomen is called
paracentesis. Drugs may be given through a tube in the chest to
prevent more fluid from accumulating. Radiation therapy and surgery
may also be helpful in relieving symptoms.
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