For life insurance they do a blood test and it will detect the nicotine. Typically in MI it will ask if you've used tobacco products within the last two years. This is the time to explain so when the blood test comes back and they see nicotine it may help to reduce the increase in rate due to tobacco usage.
For individual health insurance in MI, with some carriers they ask if you are a smoker, some ask for tobacco usage in the last two years. I have seen increases anywhere from 17% to 25% due to smoking.
For employee benefits, it again depends on the insurance carrier in MI, but I normally see a quick do you smoke question. As for your employer charging you more, I would change to a non-smoker if in fact you are.
For individual health insurance in MI, with some carriers they ask if you are a smoker, some ask for tobacco usage in the last two years. I have seen increases anywhere from 17% to 25% due to smoking.
For employee benefits, it again depends on the insurance carrier in MI, but I normally see a quick do you smoke question. As for your employer charging you more, I would change to a non-smoker if in fact you are.
