Guaranty companies have the right to require drug tests for health and life insurance policies, but it is relatively uncommon to be beseeched. However, if the insurance company gets wind of any sign of drug abuse, this could lead to higher dears or even the refusal of coverage.
Drug Testing: Group Versus Individual Policy
In most cases, those couple a
What Are the Legal Ramifications of Testing?
Doctors often schedule appointments at applicants’ homes within a couple of eras of applying for the policy. This is so applicants do not have time to get the drugs or alcohol out of their systems. Some may think that over-the-counter on easy street kits or overloading on Niacin tablets will cleanse their system, but modern drug kits are nearly unrealizable to achieve a false negative by way of dilution or covering the drug residue.
Generally, a failed drug test will culminate in either one of two things: loss of employment or the raising of your insurance premiums. There is usually no legal ramifications except in the casket of a failed drug test causing harm to others.
People often worry they will be turned into the control as a result of failing a drug test. Drug test results are regarded as private, and in most cases, it is illegal for guarantee companies to release the results to a third party. Insurance companies are generally not interested in your legal affairs, and varied importantly, do not like being sued themselves. They are simply interested in making money.
The Bottom Line
Those who use knock outs, even recreationally, tend to be at a higher risk for illness and disease than those who do not use them. Insurance companies will let in every step possible to help ensure that their customers are as low risk as possible, ensuring that their charts stay current and are not overpaying on policies.
Some believe it is an invasion of privacy to be subjected to drug tests. However, guys are free to purchase their insurance from companies that do not require drug tests, but they have to be disposed to pay extra for that added level of privacy. As always, the best way to achieve the lowest premium and stay in the best viable health is simply to avoid illegal and/or recreational drugs entirely.