Understanding Your Financial Options
Mesothelioma patients can access financial help from multiple sources. These include government disability programs, veterans benefits, patient assistance programs, and legal compensation. Many of these can be pursued simultaneously.
Good News: Expedited Processing
Mesothelioma qualifies for the Social Security Administration's Compassionate Allowances program, meaning disability claims are processed faster—often within weeks rather than months.
Government Disability Programs
Federal disability programs can provide monthly income and healthcare coverage:
Government Benefits
Social Security Disability (SSDI)
Monthly benefits for those who worked and paid into Social Security. Mesothelioma qualifies for expedited processing under Compassionate Allowances.
Supplemental Security Income (SSI)
Need-based monthly benefits for disabled individuals with limited income and resources.
Medicare
Federal health insurance available after 24 months on SSDI, or immediately for end-stage conditions.
Medicaid
State-administered health coverage for those with limited income. Coverage varies by state.
Legal Compensation Sources
Beyond assistance programs, mesothelioma patients can pursue substantial compensation from companies responsible for their asbestos exposure:
| Source | Average Amount | Timeline | Notes |
|---|---|---|---|
| Personal Injury Lawsuits | $1M - $2.4M | 12-18 months | Against companies responsible for asbestos exposure |
| Asbestos Trust Funds | $300K - $400K | 3-12 months | Claims against bankrupt companies' trusts |
| Workers Compensation | Varies by state | 6-18 months | Benefits for work-related exposure |
| VA Disability | $3,737/month | 3-6 months | For veterans with service-connected mesothelioma |
Legal compensation can be pursued while receiving government benefits. Consult with a mesothelioma attorney to understand all available options.
Find mesothelioma attorneys by state →
Patient Assistance Programs
Various organizations offer help with specific costs like medications, travel, and emergency expenses:
Veterans Benefits
VA Disability Compensation
Tax-free monthly payments for service-connected mesothelioma. Most veterans qualify for 100% rating.
VA Health Care
Free or low-cost medical treatment at VA facilities, including specialized cancer care.
Aid & Attendance
Additional monthly benefit for veterans or surviving spouses who need help with daily activities.
Patient Assistance Programs
Prescription Assistance
Pharmaceutical companies offer programs to help cover medication costs. Ask your oncologist about available programs.
NeedyMeds
Database of patient assistance programs for medications and healthcare costs.
Patient Advocate Foundation
Free case management services to help navigate insurance and financial issues.
Travel & Lodging
Hope Lodge (ACS)
Free lodging for cancer patients traveling for treatment, operated by American Cancer Society.
Corporate Angel Network
Free flights on corporate jets for cancer patients traveling to treatment centers.
Angel Flight
Volunteer pilots providing free air transportation for medical treatment.
Emergency Assistance
Cancer Financial Assistance Coalition
Coalition of organizations providing financial help to cancer patients.
HealthWell Foundation
Copay assistance and financial support for specific conditions and medications.
CancerCare
Financial assistance, counseling, and support services for cancer patients.
Tips for Applying
Apply for SSDI Early
File as soon as you're diagnosed. Even with Compassionate Allowances, processing takes time. You can receive SSDI while working if earnings are below the limit.
Keep Detailed Records
Document all medical appointments, treatments, work history, and expenses. This documentation helps with benefit applications and legal claims.
Ask Your Medical Team
Oncology social workers and patient navigators can help identify programs and assist with applications. Most cancer centers have these resources.
Don't Wait for Legal Resolution
Apply for assistance programs immediately—don't wait for lawsuit outcomes. These programs provide faster relief while legal claims proceed.
Frequently Asked Questions
Will lawsuit settlements affect my SSDI or SSI?
SSDI is not affected by lawsuit settlements since it's based on work history, not current assets. SSI is need-based and may be affected by large settlements, but proper planning can often preserve benefits. Consult with an attorney before settling.
How long does Social Security disability approval take for mesothelioma?
Mesothelioma qualifies for Compassionate Allowances, which typically results in approval within 2-4 weeks of filing, compared to 3-6 months for standard disability claims.
Can I get help with utility bills and rent?
Yes. Organizations like CancerCare, the Leukemia & Lymphoma Society (for some cancers), and local community action agencies offer emergency assistance with bills. Your hospital social worker can help identify local resources.
Are veterans benefits affected by lawsuit settlements?
No. VA disability compensation is not affected by legal settlements or other income. You can receive full VA benefits while also pursuing and receiving lawsuit compensation.
What if I'm still working but struggling with costs?
You may still qualify for patient assistance programs regardless of income. Many prescription assistance programs and travel grants don't have income limits. FMLA can protect your job while you take medical leave.
This information is for educational purposes only and should not be considered legal advice. Every case is different. Consult with a qualified attorney to understand your specific legal options.