Occupational respiratory disease is any lung condition you get at work. It occurs because of repeated exposure to certain toxins. Certain workplaces have a higher incidence of the disease because the work areas themselves have high amounts of toxins. Some examples include asbestos, silica dust, smoke, fumes, gases, lead, and other particles. Even farmers are susceptible to occupational respiratory disease – farmers’ lung also known as allergic alveolitis or organic dust. Occupational respiratory diseases include asthma, bronchitis, or emphysema. Smoking can worsen your symptoms.
Living With Occupational Respiratory Disease
Many substances in the workplace can lead to occupational respiratory disease. All of these illnesses irritate the lining in your lungs, making it difficult to breathe on your own while at rest and almost impossible when you are in motion. Common causes include exposure to the following:
- Dust from wood, cotton, coal, asbestos, silica, and talc.
- Pesticides, drug or enzyme powders, and fiberglass.
- Cereal grains, coffee particles, and food flavoring.
- Fumes from metals that are heated and cooled quickly. (Think occupations involved with welding, smelting, furnace work, pottery making, plastics manufacturing, and rubber operations).
- Smoke from burning materials.
- Gases from vapors such as formaldehyde, ammonia, chlorine, sulfur dioxide, and nitrogen oxides. (Occupations that involve brazing, smelting, oven drying, and furnace work including labs that use chemicals).
- Mists or sprays from paint, lacquers, varnish, hair spray, pesticides, cleaning products, acids, oils, and solvents (such as turpentine).
If you have been diagnosed with occupational respiratory disease because of your job, trade, or profession, your sole recourse lies in filing a worker’s compensation claim against your employer. Workers’ compensation insurance protects injured workers with certain guarantees — the payment of medical bills and expenses, some part of your salary, and limited job security. During the processing of your workers’ compensation claim, you may experience an immediate loss of income. Even when benefits begin, your income loss can be significant. To bridge the financial gap during your recovery period, consider applying for pre-settlement funding today.
What We Do
Capital Financing provides pre-settlement financing to people hurt at work or in personal injury accidents who file lawsuits. The types of cases we fund are car accidents, biking accidents, motorcycle accidents, slip and fall or premise liability accidents, medical malpractice, products liability, dog bites, and assaults. We can provide a loan or advance against your personal injury settlement or award before the case is complete. We also advance funds in workers’ compensation cases, when people get hurt on the job.
How it Works
To determine a loan amount, we carefully review your case by examining the injuries you have incurred, the medical treatment you have received, the extent of your property damage, and your forced time off of work and lost wages. We calculate any other damages, called compensatory damages, like your out-of-pocket costs, unreimbursed medical bills, and future medical expenses for catastrophic injuries.