Smoking is a health hazard, to both those who smoke and those who are exposed to secondhand fumes. Due to this hazard, many companies have begun to test their employees for nicotine via nicotine drug tests. Nicotine tests help employers and insurance companies alike evaluate a person’s health more accurately, often times resulting in increased costs to the smoker.
Nicotine Testing for Insurance
Nowadays, many insurance companies require a full physical before accepting an individual onto one of their coverage plans. While this certainly holds true for health insurance, it is even more prevalent in the realm of life insurance policies. Life insurance companies require applicants to undergo an insurance company test for smoking. This is typically performed through blood testing for nicotine or a nicotine urine test. Should an individual be found to have nicotine in their system, they will be required to pay a higher insurance premium. Quite simply, smoking puts your health at risk, and insurance companies are not willing to take that risk without first, a tobacco test and second, higher monetary compensation.
Employer Nicotine Testing
While an employer cannot discriminate against employees who smoke, they can certainly screen their workers for nicotine use. These tobacco tests help companies decide how much their employees are required to pay for health insurance coverage. The thought behind this practice is that it would not be fair for a non-smoker and a smoker to pay the same premiums.
Nicotine Tobacco Testing
Nicotine drug testing can be carried out in several ways, the most popular of which are nicotine urine testing and blood testing. A great tobacco test kit can be found at TestCountry. This home nicotine test kit is a urine test that detects both nicotine and cotinine in a sample of urine taken from a donor. Nicotine urine testing can be done at home, in the office or during an insurance mandated physical. Results appear quickly and these nicotine tests are laboratory accurate.
Oftentimes, parents are concerned about whether or not their teenagers are smoking cigarettes. But with a tobacco test kit, the answers to your most pressing question will be answered. Nicotine addiction is very real. The sooner you find out if your teen is smoking, the sooner you can help your child overcome their nicotine addiction.
Insurance companies can potentially save money by enforcing insurance company test for smoking. These nicotine drug tests help insurance companies adjust their premiums to be fairer for non-smokers, as it is not fair for non-smokers and smokers to pay the same rates.
Employers also benefit from tobacco use detection tests and can save money when they buy health insurance for employees. Using nicotine urine testing is easy and effective and helps employers decide on fair insurance payment rates for their workers.