If I vape with nic can I say I am smoke free ?
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You can probably get away with it for health insurance, but life insurance will test you for nicotine to determine if you're a smoker.
That sucks. Hopefully that will change before I have to use my life insurance lol.
My health insurance at work charges an extra $60/month for tobacco users. I asked several of their reps and they all said that vaping isn't tobacco. Neither is nicotine gum or the patch. In fact that's one reason I started vaping after being off cigarettes for almost four years. 
Absolutely you can!!!
Smoking involves combustion, fire, literal burning of tobacco products. When something burns, it produces smoke.
When you vape, you're producing vapor, not smoke.
So, yes! If you vape, you're a vaper! If you smoke, you're a smoker!
Simple as that, easy 'nuff.
Oops, forgot to address: yep, they can still sock it to you.
Smoking involves combustion, fire, literal burning of tobacco products. When something burns, it produces smoke.
When you vape, you're producing vapor, not smoke.
So, yes! If you vape, you're a vaper! If you smoke, you're a smoker!
Simple as that, easy 'nuff.
Oops, forgot to address: yep, they can still sock it to you.
You are a non-smoker!!!!
Congrats.
However, health insurance is starting to use the tobacco user phrase so that they can charge all people who use nicotine higher premiums. Thank our Congress for that one.
What you want to do is read the fine print.
Congrats.
However, health insurance is starting to use the tobacco user phrase so that they can charge all people who use nicotine higher premiums. Thank our Congress for that one.
What you want to do is read the fine print.
They still consider it tobacco use- At least my insurance does. They screen for cotinine, which is found in tobacco products. Since there is no way to determine how the cotinine is getting into your system, they err on the side of caution.
Thank you for the replies, I'll err on the safe side now then and tell them I am a non-smoker
A couple years back, my wife and I got some additional life insurance. The agent asked if I was a smoker, I sheepishly said, "yeah..." He asked if I thought I could not have a single cigarette for 2 solid weeks. I asked why. He said he'd take the mouth swab on my wife, but put in his report I wasn't home and come back in two weeks. I asked what's benefit ? He said, "Oh, about 90 bucks a month." I asked what if I start smoking again ? He said they never test again, only the first time and it doesn't change anything down the line if it's found I'm a smoker.
I quit for two weeks, got swabbed, and as I left, I stopped at a gas station and bought a pack.
Luckily, I came back in the test as a non-smoker....
I quit for two weeks, got swabbed, and as I left, I stopped at a gas station and bought a pack.
Luckily, I came back in the test as a non-smoker....
If you were talking about Life Insurance, I wouldn't do it...telling them you are a Non Smoker...My husband was a Life Insurance salesman for a few year..he worked for several different companies..what did they all have in Common?? Every one of them would do everything they could to keep from paying on a Death. This one Family comes to mind...the wife and grown son were smokers...although the father was a smoker, he had quit several years before his death...had a bad scare after Heart attack. He passed away in a car accident..Don't really know all the details...but an Autopsy was done to see what happened to him to cause him to wreck...apparently he had Nicotine in his system..his family all swore up and down he hadn't smoked in years...that it must have been second hand smoke that caused the positive results. Whether it was or not...the insurance Company fought it...claiming he lied on his Application about being a Non Smoker...and guess what? They won...the insurance company. So all those years of paying their Premiums went down the drain. Husband thought he was going to be leaving his family some what well off when he time came to leave this world.
To the above poster who said they quit for 2 weeks to pass the Nicotine Test for life insurance...you better hope when you die, they don't do an Autopsy on you!
To the above poster who said they quit for 2 weeks to pass the Nicotine Test for life insurance...you better hope when you die, they don't do an Autopsy on you!
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