Why is there a difference in the medical rates between smokers and non-smokers?
A5: Smoking is the leading cause of death attributed to modifiable lifestyle-based behavior. Company sponsored life insurance programs have used smoker and non-smoker rates for more than nine years. The non-smoker discount for medical rates is used to encourage smokers to quit smoking and work toward a healthier lifestyle. Individuals who do not change their smoking status will continue to participate in the medical plan albeit at a higher premium rate reflecting their higher claim cost potential.
