2006-08-15 09:48:26 · 16 answers · asked by shannon p 2 in Politics & Government ➔ Law & Ethics
no i am not canadian. and i just quit smoking a few weeks ago.
2006-08-15 12:02:13 · update #1
Had to put my 2 cents in here as a fellow smoker as you can tell the people answering are non-smokers,it is unfair but they can do what they want! even though the emissions from starting a car are more dangerous then this fag I am smoking we are becoming an-distinct bread,I bet we see in our day the time we will have to hide to have a cig,but they will keep serving 151 rum by the shots trough the drive up liquor stores.
2006-08-15 10:00:44 · answer #1 · answered by pycosal 5 · 0⤊ 2⤋
Smokers are putting themselves at risk for all kinds of diseases. Nonsmokers run much less of a risk. Smoking is a known health hazard. Companies have EVERY right to charge you extra since there's more than a slight chance that they'll spend a lot of money on you. Why not just quit smoking? Do your lungs and your wallet a favor!
2006-08-15 09:56:55 · answer #2 · answered by clarity 7 · 0⤊ 0⤋
Smoking puts you at risk for tons of health problems, so it's logical that you would have a higher premium. It's just like charging teenagers more for auto insurance because they're statistically more likely to get in an accident.
2006-08-15 09:54:36 · answer #3 · answered by Carolyn 3 · 0⤊ 0⤋
Can't wait to drive this idiot out of office! Of course the tax payers will pay in the end. Just like the new bank regs, the cost will be passed along. The insurance execs aren't stupid and they're not in the charity business. The socialist Obama fails once again. Did he ever play the square peg, round hole game as a kid? Edit.. Bug is joking right...
2016-03-27 03:18:16 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Unfortunately, because you are a smoker you are at higher risk, which raises the premiums. If you quit for 12 months and go back to you insurance company, they will usually test you through blood and urine tests and if negative they may reduce your premiums. At least you smoke, I have afriend who does not smoke and never has, but he works in a bar and through his blood and urine tests always come back positive for tobacco. he pays a smokers price and does not even smoke. Time to get a new job!!!
2006-08-15 10:50:45 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Very easily. With all the known problems that smoking causes, it's better to quit. I'm a former smoker & know exactly how hard it is to quit. The temptation for me to start again is always with me. I found other things to do with my hands & started making crafts. I crochet, paint, bead & other odds & ends. My mom still smokes & I'd rather not go to her house. She smokes inside too. It's in the furniture & when you sit down, it's absorbed into your clothes.
I won't go back to smoking either. My grandmother died of pulminary fibrosis, which is a lung disease directly related to her 40 years of smoking before she quit for 20. She'd started smoking at age 9, quitting once, then going back before finally quitting on a bet with me to quit. I've made the same bet with my mother but she always goes back to smoking. I know she has the beginnings of emphyzema too, barely being 55 in Sept.
2006-08-15 09:59:47 · answer #6 · answered by Belle 6 · 0⤊ 0⤋
Because they have the statistics to back up the fact that you are contributing to additional illnesses and your early (or earlier) death by smoking.
Smoking can be an additive factor as well - say, for example, if you smoke + are overweight + have diabetes, 1+1+1 could equal 5 or more in terms of actuarial rating.
2006-08-15 09:55:33 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Because smokers cost more to cover. Smoking affects so many aspects of health that in order to offset the cost of insuring you (which is based on statistical data and not your personal record) they have to charge more.
The way they see it, if you choose to poison yourself AND be covered for health you should pay more for your contradiction, because it costs THEM more in the long run.
As an aside, 3 weeks without a cigarette here and feeling great!
Cheers!
2006-08-15 09:54:25 · answer #8 · answered by CrispyEd 3 · 2⤊ 0⤋
They can do what they like. In this country there is no adequate regulation of what insurance companies can do. In all fairness though in this case what they are doing is not unreasonable. You are a considerably greater risk of illness if you smoke, and they need to protect themselves against that risk.
2006-08-15 09:54:38 · answer #9 · answered by ZCT 7 · 0⤊ 0⤋
1. It's not against the law. 2nd, You're a higher risk because you're a smoker. 3. Good reason to quit smoking and save a ton of money!!
2006-08-15 09:59:56 · answer #10 · answered by HillbillyJimbo 2 · 0⤊ 0⤋