02-11-2010, 06:21 PM | #1 | ||
Pro Rookie
Join Date: May 2002
Location: Prairie du Sac, WI
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Life Insurance Physical
So I had kind of had this Life Insurance thing sprung upon me and next thing you know they are calling me to take a physical tomorrow.
Included in this physical is the good old piss test. Short notice means I'm dirty. At this point, I'm not going to try some fast shit to pass the test, I'm just wondering what's going to happen from this point? It's not bothering me too much. I don't care if they reject my application. Just wondering how it will affect my future attempts to get life insurance? At least it's not a probation piss test where I'd be going to jail. |
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02-11-2010, 06:23 PM | #2 |
College Benchwarmer
Join Date: Jun 2002
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Is it for work or a personal application? If it is personal just reschedule the physical.
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02-11-2010, 06:24 PM | #3 | |
Coordinator
Join Date: May 2003
Location: Utah
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Quote:
What kind of Dirty is it going to be? They will check for the Nicotine, Cocaine and some others. If it is Nicotine and Weed you will see your premium go up but not be denied (generally) however the other stuff it will be denied.
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"forgetting what is in the past, I strive for the future" |
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02-11-2010, 06:27 PM | #4 | |
Pro Rookie
Join Date: May 2002
Location: Prairie du Sac, WI
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Quote:
Nicotine and THC. I've got one that doesn't penalize chew, and I haven't been smoking but will probably end up with smoking rates because of the THC positive? |
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02-11-2010, 06:29 PM | #5 |
Pro Rookie
Join Date: May 2002
Location: Prairie du Sac, WI
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02-11-2010, 06:30 PM | #6 | |
Coordinator
Join Date: May 2003
Location: Utah
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Quote:
More than likely.... Reschedule the physical for about a week out and do a cleanse. My wife has one that she does to help some of her NA members flush their systems out and some of her friends that smoke have never pissed positive by doing this..PM me and I will get you the info on the cleanse.
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"forgetting what is in the past, I strive for the future" |
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02-11-2010, 10:26 PM | #7 |
Pro Rookie
Join Date: May 2002
Location: Kansas City, Mo
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The fofc... committing insurance fraud one member at a time
actually, i'm all for it, f'n insurance is a racket.. |
02-11-2010, 11:53 PM | #8 |
Hall Of Famer
Join Date: Dec 2003
Location: the yo'
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How long does nicotine take to clear your system? I never realized they'd test for that.
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02-12-2010, 03:06 AM | #9 |
Grizzled Veteran
Join Date: Oct 2000
Location: San Jose, CA
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You can have much less than a weeks notice and show clean for nicotine I'm pretty sure. THC, as you know, will stay much longer. One time, though, I had smoked weed maybe 3 times in 6 months, and smoked weed the week of the piss test. Either I passed it, or they just decided to hire me anyway.
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02-12-2010, 12:21 PM | #10 |
High School JV
Join Date: May 2001
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02-12-2010, 01:59 PM | #11 | |
Hall Of Famer
Join Date: Apr 2002
Location: Back in Houston!
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Quote:
Me neither. Being horribly allergic to smoke, it's never going to be an issue but I never even knew they tested. SI
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02-13-2010, 05:01 PM | #12 | |
Dynasty Boy
Join Date: Jan 2001
Location: Michigan
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Quote:
I'm surprised people are surprised. For every insurance chart I've ever seen, smokers of the same age pay far more than non-smokers. Why should they trust what you say when they can check it relatively cheaply? |
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