Should insurance companies charge smokers?

24

Replies

  • tmanfromtexas
    tmanfromtexas Posts: 928 Member
    Would it be right for an employer to ban their employees from smoking, and treat cigarettes like they would any other drug like marijuana?

    ...

    I I also think it should be banned from any and all workplaces (make it a terminable offense).

    So, are you saying that people should be fired for smoking in the work place, or for smoking period?

    People have been fired for smoking

    They take too many breaks and smell bad in meetings.

    It's certainly with in a company's power to have rules against smoking at work, and to fire violators accordingly. However I'm wondering if the OP is suggesting that people should be fired for smoking on their own time, away from the work place.

    Maybe, but your lunch breaks and time before you start work are also your own time. Even when you smoke at those times you'll still stink when you come back to the office. A lot of people tend to be repulsed by that.

    Then we should also ban all perfumes and colognes because folks can be repulsed by that too. See how it works, one thing is taken away for the good of the people and the next thing that will be taken away will be something you hold dear and then what will you say then.
  • taylor5877
    taylor5877 Posts: 1,792 Member
    I think insurance companies should charge anyone with an IQ below 110 or above 140...
  • JosephVitte
    JosephVitte Posts: 2,039
    I agree 1000%
    I also they should charge extra for being:
    fat
    type 2 diabetics
    motor cycle riders
    sky diver
    boat operator
    drinker
    private pilot
    and any other thing that puts a person's life at risk including driving.
    Its a person's right to smoke, its legal and for all you nice folks that want to push your will on u,s that do, I wish you would push your will up your anal orifice. Have a nice evening.


    Well damn it, I can take this further, charge extra to:

    Angry *kitten* (heart rate)

    Heavy Equipment Operators

    High Rise window washers

    race Car drivers

    Snorkelers

    Military (danger!)

    High Rise construction workers

    Deep sea fisherman (the help)

    Police man (dangerous job!)

    Fireman (fires)

    I'm getting tired...........
  • besaro
    besaro Posts: 1,858 Member
    insurance sucks.
  • Ruger2506
    Ruger2506 Posts: 309 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    What is dangerous about boating?
  • tmanfromtexas
    tmanfromtexas Posts: 928 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets
  • dsmboy1991
    dsmboy1991 Posts: 194 Member
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  • taylor5877
    taylor5877 Posts: 1,792 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets

    Shouldnt that be folks who live near neighbors with guns should be charged more?
  • Laces_0ut
    Laces_0ut Posts: 3,750 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets

    how many people hunt every year? how many accidents are there? my guess it is a relatively low number and a rate increase isnt warrented. but you never know...
  • Ruger2506
    Ruger2506 Posts: 309 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets

    How is that dangerous. I would wager my abilities to handle a firearm (including bullets) are statistically safer than majority of the populations driving abilities and the dangers of sharing a road with them.

    Me shooting is not directly detrimental to my health (other's health maybe). Someone smoking can be directly related to the pathology they will suffer in the future.

    For the sake of this argument however. Why not. Put every single activity on a risk scale and interview each insuree and determine their risk score. I would think handling firearms would be way low on the scale while smoking would be way high up there.
  • tmanfromtexas
    tmanfromtexas Posts: 928 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets

    Shouldnt that be folks who live near neighbors with guns should be charged more?

    You bet, lets charge everyone more for insurance for everything they do, even sleeping
  • Laces_0ut
    Laces_0ut Posts: 3,750 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets

    Shouldnt that be folks who live near neighbors with guns should be charged more?

    You bet, lets charge everyone more for insurance for everything they do, even sleeping

    hey....insurance should be free!!! and everyone should have it. thats what you want right?
  • curvygirl77
    curvygirl77 Posts: 769 Member
    I'm not a smoker but I say no.
  • tmanfromtexas
    tmanfromtexas Posts: 928 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets

    How is that dangerous. I would wager my abilities to handle a firearm (including bullets) are statistically safer than majority of the populations driving abilities and the dangers of sharing a road with them.

    Me shooting is not directly detrimental to my health (other's health maybe). Someone smoking can be directly related to the pathology they will suffer in the future.

    It is detrimental to your health, it affects your hearing. BUT as you say, it could be detrimental to others so you should have liability insurance for that gun and bullets. See how it works, they come for one thing and then it continues to escalate.They want smoker's cigarettes for the health and safety of all people. They then want our guns for the health and safety of all people are you ready to turn yours in for the benefit of all? No I am sure you are like me and they can pry my cold dead hands...
  • Laces_0ut
    Laces_0ut Posts: 3,750 Member

    It is detrimental to your health, it affects your hearing. BUT as you say, it could be detrimental to others so you should have liability insurance for that gun and bullets. See how it works, they come for one thing and then it continues to escalate.They want smoker's cigarettes for the health and safety of all people. They then want our guns for the health and safety of all people are you ready to turn yours in for the benefit of all? No I am sure you are like me and they can pry my cold dead hands...

    if Obama wants your guns he's going to take your guns.
  • tmanfromtexas
    tmanfromtexas Posts: 928 Member
    Should insurance companies charge people who smoke MORE money?
    HeII yes!

    You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets

    Shouldnt that be folks who live near neighbors with guns should be charged more?

    You bet, lets charge everyone more for insurance for everything they do, even sleeping

    hey....insurance should be free!!! and everyone should have it. thats what you want right?

    No you are wrong as the day is long. I want people to stop treading on my rights and liberties including the fact it is LEGAL and I still have a right to smoke. That is what I want.
  • dsmboy1991
    dsmboy1991 Posts: 194 Member
    So what happens if and when it becomes illegal in the future? Will you tread on the rights of those who don't smoke?
  • Ruger2506
    Ruger2506 Posts: 309 Member
    I am sure you are like me and they can pry my cold dead hands...

    I will happily give my weapons up. However whoever comes to get them better bring an army cause I will take as many of them with me as I can before I hand them over.
  • Laces_0ut
    Laces_0ut Posts: 3,750 Member
    No you are wrong as the day is long. I want people to stop treading on my rights and liberties including the fact it is LEGAL and I still have a right to smoke. That is what I want.

    so someone who is in a high risk job should pay the same as someone who is not for life insurance? that sounds like socialism to me. why are you promoting socialism/communism?
  • Ruger2506
    Ruger2506 Posts: 309 Member

    if Obama wants your guns he's going to take your guns.

    That may be the dumbest thing I've read in a long time. Who is going to show up on my door to take them? The cops? Most of them are friends, hunting buddies and fellow gun owners. They are not willing to give up their guns or take fellow gun owners weapons. The National Guard? They are the same cops and fellow sportsman I referred to above. The national military? Perhaps, but they will have a urban war on their hands.
  • magj0y
    magj0y Posts: 1,911 Member
    You know obesity costs more and kills more, right?

    How about changing extra to - everyone - who doesn't fit into healthy parameters.
  • tmanfromtexas
    tmanfromtexas Posts: 928 Member
    So what happens if and when it becomes illegal in the future? Will you tread on the rights of those who don't smoke?

    Do people that smoke marijuana which is illegal tread on your rights now? And if you answer is yes then please explain what right is being tread upon?
  • Laces_0ut
    Laces_0ut Posts: 3,750 Member

    if Obama wants your guns he's going to take your guns.

    That may be the dumbest thing I've read in a long time. Who is going to show up on my door to take them? The cops? Most of them are friends, hunting buddies and fellow gun owners. They are not willing to give up their guns or take fellow gun owners weapons. The National Guard? They are the same cops and fellow sportsman I referred to above. The national military? Perhaps, but they will have a urban war on their hands.

    it was a joke but i'll play. what if they outlawed a certain type of gun and there was no grandfather clause. what if after your refusal to turn them in they(ATF?) came to collect them...would you really die for those guns? or would you hand them over?
  • MrsScheidt
    MrsScheidt Posts: 207 Member
    My workplace does what they can to award us for being healthy. We get award points for getting physicals, quitting smoking, going to the dentist, exercising... things like that.

    As far as insurance companies go... I do understand why they would want to charge more for those who smoke. But, then who's to say that overweight people shouldn't be charged as well? They're racking up the doctor fees just as much as a person who smokes.
  • taylor5877
    taylor5877 Posts: 1,792 Member
    My workplace does what they can to award us for being healthy. We get award points for getting physicals, quitting smoking, going to the dentist, exercising... things like that.

    As far as insurance companies go... I do understand why they would want to charge more for those who smoke. But, then who's to say that overweight people shouldn't be charged as well? They're racking up the doctor fees just as much as a person who smokes.

    Professional athletes should be charged more as well due to the likelihood of injuries...
  • tmanfromtexas
    tmanfromtexas Posts: 928 Member
    No you are wrong as the day is long. I want people to stop treading on my rights and liberties including the fact it is LEGAL and I still have a right to smoke. That is what I want.

    so someone who is in a high risk job should pay the same as someone who is not for life insurance? that sounds like socialism to me. why are you promoting socialism/communism?

    Those are your words not mine. I do not want my liberties being trampled on by others that think they know what is best for me and other smokers. As far as life insurance, if you want to discuss that maybe another thread should be started and that topic be taken there.
  • Chipmaniac
    Chipmaniac Posts: 642 Member
    Yes. Next question.
  • Ruger2506
    Ruger2506 Posts: 309 Member
    You know obesity costs more and kills more, right?

    How about changing extra to - everyone - who doesn't fit into healthy parameters.

    The problem is there are in fact some legitimate genetic and health variables that can cause obesity. Smoking is just easy because it is an active bad choice.
  • btrippin
    btrippin Posts: 17 Member
    the answer to this post is obviously yes. life and health insurance companies do charge smokers more because smoking increases the chances of a person getting sick and dying sooner. as a former smoker i can say that smoking is one of the stupidest things a person can choose to do, and if you choose to do it you pretty much deserve all the consequences that are coming to you.
  • Laces_0ut
    Laces_0ut Posts: 3,750 Member

    Those are your words not mine. I do not want my liberties being trampled on by others that think they know what is best for me and other smokers. As far as life insurance, if you want to discuss that maybe another thread should be started and that topic be taken there.

    the theory holds for life or health insurance. you are saying a high risk individual(obese, smoker etc..) should pay the same as someone who doesnt have those factors. that screams socialism. treat everyone the same...everyone pays the same...

    i dont want to be told what i can and cant do either but i understand that if i am doing something dangerous i should have to pay more. like if i rack up speeding tickets...i should pay more for car insurance right? or is that an area where everyone should pay the same no matter what as well.

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