how do insurance companies know if you use tobacco

how do insurance companies know if you use tobacco The Impact of on Life Policies How Do Insurance Companies Know

Name: how do insurance companies know if you use tobacco The Impact of on Life Policies How Do Insurance Companies Know
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Declining Cigarette Consumption and Social Stigma Traditional cigarette consumption in the U.S

The explanatory variables were: (i) age, (ii) gender (men or women), (iii) smoking status (smoker or non-smoker), (iv) OD type (partial [hyposmia] or total [anosmia]), (v) OD onset speed (progressive or sudden), (vi) OD persistence (fluctuating or permanent) and (vii) OD duration

2013 showed that smokers cost their employers an additional $5,800 a year compared to non-smoking workers because of time lost to smoking breaks and extra health care expenses