Everyone sees you as a risk, expense, or questionably productive.
It's no secret that insurance rates are lower for non-smokers. In 1983 health-care coverage was modestly estimated at $300 less per year less for those who opted for the hale and hearty route not to light up. Some insurance companies even offer up to a 45% discount on term-life coverage premiums too. Many American citizens receive insurance coverage from their employers and these companies have begun to notice this and several other ways that smokers are costing them big bucks each year.
The health-care cost is an obvious elevated expense but who would have thought that smokers could have a negative impact on workplace morale also? On average, smokers miss about 50% more work than nonsmokers, leaving the healthy workers to pick up their slack. The Dow Chemical Company found that, in 1974, smokers were absent 5.5 days more per year. Not only did this mean that temporary replacements were needed on these days but productivity shows a decline as well. Continue Reading









