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Related Experiment Videos

Cocaine revisited.

David S Williams1

  • 1Ohio National Financial Services, One Financial Way, Cincinnati, OH 45242, USA.

Journal of Insurance Medicine (New York, N.Y.)
|February 20, 2004
PubMed
Summary
This summary is machine-generated.

Insurance companies screen applicants for cocaine use. A positive drug test can automatically disqualify individuals, preventing their cases from reaching medical directors for review and impacting overall insurability.

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Area of Science:

  • Public Health
  • Risk Management
  • Medical Underwriting

Background:

  • Insurance companies frequently screen applicants for illicit substance use.
  • Cocaine use poses significant health and financial risks.
  • Underwriting processes often have strict policies regarding drug use.

Purpose of the Study:

  • To review the negative impact of cocaine use on insurance applicant insurability.
  • To highlight the implications of cocaine detection in the underwriting process.
  • To inform insurance professionals about the consequences of cocaine use for policy eligibility.

Main Methods:

  • Literature review of existing studies on cocaine use and health outcomes.
  • Analysis of insurance underwriting guidelines and their stance on drug use.

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  • Examination of the typical workflow for insurance applications involving drug testing.

    • Main Results:

    • A positive cocaine test is a common reason for automatic disqualification in insurance applications.
    • Many cases with positive cocaine tests do not proceed to a medical director's review.
    • Cocaine use demonstrably reduces an individual's insurability across various insurance types.

    Conclusions:

    • Cocaine use has a profound negative effect on an individual's ability to obtain insurance.
    • The current underwriting practices effectively exclude individuals with positive cocaine tests.
    • Further consideration of alternative risk assessment strategies for past substance use may be warranted.