[fin29]

MIL needs to get new life insurance policy and she smokes. If she claims she hasn't smoked in 3 years, she'll get a much better rate, so she's willing to quit if she can pass the blood test if she does it. How long after you have your last cigarette does the nicotine show up on the blood test? Are there any supplements/herbs she can take to get it out of her system quicker?

 

[Don Armstrong]

I don't know. However, she'd probably be a lot more believable (and live longer) if her hair and her breath didn't smell like a stale ashtray, her fingertips wren't stained yellow, she didn't have tar between her teeth, and she was on nicotine patches or chewing gum.

 

[fin29]

:haha: Well said, Don!

 

[jillianjiggs]

Cigarette use shows up in the skin, the tongue, the teeth, the eyes, the hair...pretty much everywhere. The nicotine itself clears your system pretty fast, but I don't see why they'd actually test for it. It's easy enough to see if she opens her mouth and says "awwww."

 

[june02bug]

For the Company we use you are tested one year after quitting to see if you can qualify for non smoker rates.

 

[Guest]

It really depends on how heavily she smoked. If she was a cigarette a day or after every meal type person, she will probably be OK after 24 hours or perhaps a week. If she was much over this amount it will take some time (at least a month and probably more like 6) for the nicotine and tar to leach out of the body. Not too much you can do to hasten the process. A good cardiovascular exercise regime and a good dose of vitamin C are probably just placebos at best but they might help. Be very careful with the exercise program if you smoke and don’t have adequate doctor supervision.
Sweet lady nicotine is a very evil mistress and dishonesty with insurance providers usually comes back to bite you. Perhaps it would be best to admit to smoking, pay the higher fee and used the new healthcare program to try and quit the habit. Good Luck

 

[Gary in ohio]

Depends on the test but if they do a hair test it can show 2-3 years later.
Keep in mind that falsifiying insurance papers is a crime.

 

[goatchops]

Are you seriously asking for advice in committing felony fraud? Sounds like the woman isn't considering quitting the habit so what happens when she scams the system, gets the lower rate, then is diagnosed with tobacco-related illness?

The lower rate is incentive not to use tobacco, it is also based on the fact that insurance companies pay out a lot more denero for smoking-related health issues than they do for people living healthy lifestyles.

There are folks on this forum who can't afford to live a homesteading lifestyle because they still have to pay outrageous insurance premiums, taxes and college tuition because others scam the system.

Remember: Cheaters never prosper!

 

[Guest]

If only you had been so kind to tell us your full name and social then we could call the FBI. You should be ashamed!!! Commiting fraud to save a few dollars!! I guess we could take your ISP address and turn that in along with your post and see if they follow it up?? Would you like that? They have a great health plan in federal prison!!

 

[bgak47]

How about if she just refused to take any kind of test & insisted that the insurance company take her word for the fact that she has quit? How about its none of their damn buisness?Insurance companies are betting that you will die before you have a chance to collect on your bet with them. Why should they be allowed to hedge their bets or impose restrictions on how you live. They made the bet, they took your money, they should be forced to pay off, regardless of the cause of your death.

 

[Guest]

It takes 30 days to break the physical addiction so at least that long. Trace amount will be found in the blood, hair, skin, gums, etc. for much longer periods of time. Don’t try to cheat the system, they will catch you and your credibility will be shot. Quit smoking to get healthier. If you quit and you take it up with your insurance provider, they will possible give you a discounted rate after a certain period of time.

 

[fin29]

Thanks for the replies from those of you who did. The newbies and unregistereds might want to remember that General Chat is for flapping your lips, not HT. You might also want to read the entire post to understand that I wasn't talking about myself, though I did get a kick out of your mistake and subsequent brow-beating. Must be a snow day at school.

 

[Amy Jo]

Fin, I'd guess that after she passes the test, she'll be right back on the cigs and then should anyone ever try to cash the policy out, they'll be out of luck and she'll have paid all those premiums for nothing.

Just pay the extra...

 

[fin29]

Yeah, I think you're right, Amy-it's better to pay up than lie. It was an interesting question, though I expected the responses to be more scientific than editorial. :haha:

 

[june02bug]

Are you seriously asking for advice in committing felony fraud? Sounds like the woman isn't considering quitting the habit so what happens when she scams the system, gets the lower rate, then is diagnosed with tobacco-related illness?

If they found out after death then they take the amount they were due all those years out of the beneficiaries money. Same as if the age was wrong. Basically you'll pay the extra no matter what so might as well do it.


How about if she just refused to take any kind of test & insisted that the insurance company take her word for the fact that she has quit? How about its none of their damn buisness?Insurance companies are betting that you will die before you have a chance to collect on your bet with them. Why should they be allowed to hedge their bets or impose restrictions on how you live. They made the bet, they took your money, they should be forced to pay off, regardless of the cause of your death.

Well thats simple. No tests No policy. :haha: They don't care what the cause of death is. They care about a proper premium being charged. Why should a non smoker that will chances are live longer have to pay the same as a smoker who will chances are die sooner. It only makes sense. Same as a driver with a bad record paying more than a safe driver.

 

[Guest]

Thanks for the replies from those of you who did. The newbies and unregistereds might want to remember that General Chat is for flapping your lips, not HT. You might also want to read the entire post to understand that I wasn't talking about myself, though I did get a kick out of your mistake and subsequent brow-beating. Must be a snow day at school.

What difference does it make if it is you or asking for someone else? You are asking how to commit fraud. You are right this is a homesteading chat and on that note what does commiting fraud have to do with homesteading? For those of you that think it is not the insurance companies business if you smoke, think about what you are saying?? They are the ones promising a service to you, offering it at a set of terms. Why do they have to meet "your" terms? The customer is the one who must find a service he or she can live with. Finally that bit about a snow-day, really? Only in defeat of wit does one resort to name calling and defamation.

 

[goatchops]

Insurance companies don't really do those tests anyhow, they're just bluffing.... really. They'll never know. Just tell her to get the bloodwork done and you'll laugh all the way to the bank!!

After re-reading your original post I realized that you said your MIL will quit smoking if she can get the lower rate. If I were you I wouldn't encourage her to quit at all, the more she smokes the sooner you cash out!

Good luck with this,
Jeff

 

[chaplain robert]

I am not going to make a suggestion one way or the other but will provide the scientific insight you were looking for. Are you ready, it depends. What method is the lab using and is the person doing it paying attention. Are they running 1 or 1,000 at a time.

At the hospital lab where I worked, we did them 1 at a time on a STAT basis. If you had smoked in the last 2, maybe 2.5 months, we'd nail you every time. Heck, we can catch folks who have just handled drugs (not even taken them themselves) when everything works just right. But HPLC is more of an art than a science, so it really depends on the technologist who is working.

At the giant reference labs, these tests are being ran in huge batches often at 2 in the morning buy under trained people. It wouldn't surprise me if a 1 week would be good enough but would shoot for 3 or 4 weeks to be on the safe side. And hey, if she can go 4 weeks without a smoke, why not just quit. She should be over the really gripey stage by then anyway!!

 

[comfortablynumb]

gee whiz, why not ask us how to grow pot or refine crack and cook up a mess of kitchen crank too? :no:

Fraud drives up the insurance rates for everyone.
HEY heres an idea... REALLY quit. Why with the heath benifits of that, she will live longer! Long enogh to honestly pass a blood test.

Ive been thinking of basic B&E to suppliment my income.. any tips on how to not get caught fencing the goodies? :haha:

whooo man.. its 2004, big brother is watching you.. watch what you type...

 

[june02bug]

Goatchops,

You may get lucky and not get caught but people do get caught if not at the time the policy is changed then when you die and the people you loved enough to leave the money to will be left with less. It happens, I've seen it.