Has anyone seen changes to their own insurance coverages/rates in health, disability or life insurance?
Life Insurance
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No not yet! I assume you mean if we inform our insurance company that we are no longer smokers?
Life insurance applications will ask if you have used tobacco products in the last____ years. The number of years depends on what company it is. Probably 2,3 or 4 years. I have no expertise in the area though, perhaps there are some insurance people out there who can tell us more.
Some companies consider you a smoker if you're using any NRT and have nicotine in your system, as well.
As Chelly said some company's define it as nicotine use instead if cigarette use. You need to check your specific policy
Mine said, "Smoking any substance in the past 12 months."
I'm not sure how the company would classify vaping, but since it's ins. I'm sure they'll find a way to get that +75% cost for smokers tacked on.
I'm not sure how the company would classify vaping, but since it's ins. I'm sure they'll find a way to get that +75% cost for smokers tacked on.
Interesting requirement. Based on the categorical nature of that statement it would appear that that would be an industry wide requirement. What happens if you go to 0 mg but are still vaping? Do we now also have to quit drinking coffee?
But, technically is nicotine a tobacco product? It is a component, no?
Stupidly, I'd not even considered vaping when answering the questions about tobacco/nicotine use on my life insurance application, so I just spoke with my agent about it (State Farm), and he confirmed that part of the physical for new applicants includes a blood/urine test for nicotine and cotinine, so to go on record during the physical that I'm still using nicotine.
He also said that since I only quit two months ago, I will be insured as a smoker anyway, with the option of reapplying in a year as a nonsmoker, in which case I'd be re-tested when I reapplied.
Far as I know most life ins. companies will send someone to your house to collect samples. they take it all very seriously. Although they don't seem to care if you're a raging alcoholic or a sugar fiend.
Yes, he said the nonsmoker rates were lower, but he didn't say by how much. I guess there're too many other variables to say for sure.
My physical's on Friday, and I hope they don't take blood pressure. I'm terrified of needles, and that'll throw the readings off.
Yes, he said the nonsmoker rates were lower, but he didn't say by how much. I guess there're too many other variables to say for sure.
My physical's on Friday, and I hope they don't take blood pressure. I'm terrified of needles, and that'll throw the readings off.
Its not the needles its the "cough please" and the snap of the rubber glove and the jar of KY jelly that disturbs me
Heh. It's just an insurance physical, done by a nurse/paramedical/someone at my home, so I'm hoping that part gets left out.
The difference in rates for my insurance was about 50% less if I was a non-smoker.
On that note, how long does it take for nicotine to clear the system? I'm pretty sure I could vape 0mg for a couple days (at ~6mg right now).
On that note, how long does it take for nicotine to clear the system? I'm pretty sure I could vape 0mg for a couple days (at ~6mg right now).
Problem with that is that nicotine metabolizes into cotinine, which stays in the body for ~7-10 days at detectable levels, especially in urine, and that's what they test for. Nic has a much shorter half-life.
I suppose if you flushed a crazy amount of water through your system it would pass sooner, but not really worth it to my eyes. I wasn't quoted a ridiculously high amount, so I'm not going to bother trying. At 6mg you might be able to pass as being casually exposed (eg. through second hand smoke etc.) depending on the limits they put on the test.
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