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