Group Life Insurance Policy Through Work And THC

I recently requested an increase of life insurance through work. If i am denied the increase because of THC in my system will all my coverage be taken away? and will my employee find out about the failed THC test?

  1. 3998 POINTS
    Matt Benore
    Founder, DenverWest Insurance Professionals, Inc.,
    Your group life insurance generally speaking does not require underwriting meaning no lab work is needed.  The exception might be if you go over the guaranteed coverage amount.

    If you do have to get lab work completed, then first would be to admit on the application you smoke marijuana.  Insurance companies do not automatically decline you for smoking marijuana but if you don't admit it, all bets are off.

    As far as your employer finding out, it is unlikely they will unless they are involved in the process.
    Answered on January 27, 2014
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  2. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    If the insurance company finds THC in your system will you lose current coverage and will the employer find out?  Yes, No, maybe?  It will depend on what it says in the group contract for the life insurance or individual plan.  Usually existing coverage wouldn't be taken away, but it will depend on the terms inside the policies sold.  As far as your employer finding out, you should have some protection or confidentiality, but it will depend on what is stated inside the plans. If you are worried about your employer finding out about your private life, avoid using a program that requires testing.
    Answered on February 3, 2014
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