Is it legally recognized for my opening to tilt my insurance rate because I smoke cigarettes?
Just found out that they will be raising it $100/mo. for smokers, "who voluntarily indicate that they use tobacco products". Am I legally bound to speak about the truth when my yearly health benefit enrollment comes up subsequent month?
Answers:
Yes, because if you don't you are guilty of fraudulently obtain insurance. It is probably not your "job" that is raising the premium, but the insurance company.
Many companies are now in actuality not hiring people who smoke. They are giving current staff an ultimatum to voluntarily quit or be terminated. I understand how difficult this may be, due to the certainty that I used to smoke a pack and a half a day. I quit four years ago and haven't looked spinal column. Guess it's a good thing I don't smoke anymore. Good luck.
Yes, it's legal and I hold heard of people getting tested for nicotine after aphorism that they didn't smoke. Their insurance was canceled because they lied.
Yes. There are no law prohibiting insurances from raising rates for all kind of things & if you are found to have lied on any part of the application, they will more than imagined cancel your insurance.
Diane's response is right on.
Good luck!
just fiction, i did when i signed up for life insurance
those stupid bastards, you give them enought money anyway
so fabrication about it
Yes, in fact most insurance companies present non-smokes a discount for not smoking and the smokers pay more. It is not illegal. It is a apposite a reward for living more healthy. As a general rule, those who smoke hold poorer health than those who do not smoke. Smokers have more issues on the subject of bronchitis, emphysema, asthma and more issues during the cold season.
Of course you can always say you do not smoke but if you are caught it is insurance fraud which could organize to jail time, fines, and denied medical benefits.
Related Questions:
Answers:
Yes, because if you don't you are guilty of fraudulently obtain insurance. It is probably not your "job" that is raising the premium, but the insurance company.
Many companies are now in actuality not hiring people who smoke. They are giving current staff an ultimatum to voluntarily quit or be terminated. I understand how difficult this may be, due to the certainty that I used to smoke a pack and a half a day. I quit four years ago and haven't looked spinal column. Guess it's a good thing I don't smoke anymore. Good luck.
Yes, it's legal and I hold heard of people getting tested for nicotine after aphorism that they didn't smoke. Their insurance was canceled because they lied.
Yes. There are no law prohibiting insurances from raising rates for all kind of things & if you are found to have lied on any part of the application, they will more than imagined cancel your insurance.
Diane's response is right on.
Good luck!
just fiction, i did when i signed up for life insurance
those stupid bastards, you give them enought money anyway
so fabrication about it
Yes, in fact most insurance companies present non-smokes a discount for not smoking and the smokers pay more. It is not illegal. It is a apposite a reward for living more healthy. As a general rule, those who smoke hold poorer health than those who do not smoke. Smokers have more issues on the subject of bronchitis, emphysema, asthma and more issues during the cold season.
Of course you can always say you do not smoke but if you are caught it is insurance fraud which could organize to jail time, fines, and denied medical benefits.
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