Quote:
Originally posted by KSig RC
The issue is with the endemic detrimental effects of smoking to the workplace, in the form of lost days, image, and the hypocrisy of charging more for insurance for something 50% of employees do themselves.
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They're a third party administrator, not a carrier. They do not set the insurance rates, they try to get the best options for their clients from the available carriers.
What TPAs and carriers do in their free time has nothing to do with the rates companies are charged. It's not an issue of hypocrisy. Joe's Coal Company full of 60 year olds is going to pay lots more for insurance than Joe's Office Supply Store full of 25 year olds simply because of the obvious differences in what they do on the job. There's only so much the TPA or broker can do to remedy that.
They can encourage their clients to develop wellness programs, but I think that telling their clients to use this same policy would be professional suicide.