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    vicky2009's Avatar
    vicky2009 Posts: 22, Reputation: 1
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    #1

    Aug 16, 2009, 09:33 AM
    Chewing Tobacco
    How long does it take to get chewing tobacco out of you system . I stopped chewing a week ago and I have to take a urine test for life Insurance is it going to show up. Is there some way to get it out of my system
    s_cianci's Avatar
    s_cianci Posts: 5,472, Reputation: 760
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    #2

    Aug 16, 2009, 09:43 AM
    I don't know if chewing tobacco will actually show up in urine, especially a week after the fact, unless you're actually swallowing it. And it is possible that you may be inadvertently swallowing small amounts, albeit not deliberately. But regardless, honesty is your best policy and you should be truthful with your insurance company about your tobacco use.
    vicky2009's Avatar
    vicky2009 Posts: 22, Reputation: 1
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    #3

    Aug 16, 2009, 11:29 AM
    Quote Originally Posted by s_cianci View Post
    I don't know if chewing tobacco will actually show up in urine, especially a week after the fact, unless you're actually swallowing it. And it is possible that you may be inadvertently swallowing small amounts, albeit not deliberately. But regardless, honesty is your best policy and you should be truthful with your insurance company about your tobacco use.
    I am honest with my Insurance agent and even asked him and he didn't know. I just was wondering if it would how up.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #4

    Aug 16, 2009, 12:14 PM

    It's my understanding that nicotine tests positive for between 48 and 72 hours, depending on level of usage and how much was swallowed.
    ballengerb1's Avatar
    ballengerb1 Posts: 27,378, Reputation: 2280
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    #5

    Dec 10, 2009, 06:28 PM

    It is very likely your insurance company will ask you to sign a statement that you have not used tobacco or any nicotine substitute for a year. Nicotine may be out of your system in 72 hours but they are thinking of giving you a non-smoker insurance rate and usually specify a length on non-use.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #6

    Dec 10, 2009, 07:26 PM

    If you put down on the application that you are not using tobacco, it does not matter "what" you told the agent, all that matter is what you put in writing.

    The urine test I doubt is for tobacco but for a dozen other things.

    On the tobacco, what normally happens if you check no you don't use, if they latter prove you do, they can either deny payment of the claim or they may reduce the payment of the claim to a lower coverage of what a user would have gotten at the same premuim
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