Readers ask: What Do Life Insurance Urine Tests Test For?

A life insurance urine test detects drugs like amphetamines/methamphetamines, cocaine, opiates, phencyclidine (PCP), barbiturates, benzodiazepines, and methadone. One drug that’s an exception, though, is marijuana.

What kind of drug test does life insurance use?

Traditional life insurance requires include a medical exam that includes a blood and urine test. A urine test reveals if you use drugs or nicotine, and shows whether other health issues exist. There are no medical exam life insurance policies, but they pay lower death benefits.

Why does my life insurance need a urine sample?

Potential health issues. Urine tests are an effective way to check for a range of potential health issues, like kidney disease, liver problems, diabetes, and infections. Providers will send your samples to a lab for microscopic review to gauge your health overall.

What can show up in urine test?

Things the dipstick test can check for include:

  • Acidity, or pH. If the acid is abnormal, you could have kidney stones, a urinary tract infection (UTI), or another condition.
  • Protein. This can be a sign your kidneys aren’t working right.
  • Glucose.
  • White blood cells.
  • Nitrites.
  • Bilirubin.
  • Blood in your urine.
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What happens if I fail a drug test for life insurance?

You’ll be declined for life insurance coverage if a blood or urine test indicates you use any illegal drugs, such as amphetamines or opiates. The only exception to this rule is marijuana, as each insurer evaluates marijuana consumption differently.

Can you use fake urine for life insurance?

You can’t ‘beat’ a urine test For the life insurance urine sample, you will use a cup like you would at the doctor’s office during a physical. The cup has a temperature strip that helps determine if the urine is genuine and fresh – to prevent using someone else’s urine or synthetic urine.

Do insurance companies drug test employees?

Insurers have the right to require drug tests for health and life policies. Still, requests are rare. Signs of drug abuse may lead an insurer to refuse coverage or demand higher premiums.

How do life insurance companies check medical background?

How do life insurance companies check my medical background? The insurer will ask for your written consent. If you agree, your doctor will then provide only the records that relate to your life insurance application. It’s possible your insurer will ask for access to your entire medical record.

What type of infections can be detected in urine?

The most common infections diagnosed by urinalysis are UTIs, which are one of the most common bacterial infections that require medical intervention. Several other infections such as community-acquired pneumonia and viremia infections can also be diagnosed with the help of urinalysis.

What is a high bacteria count in urine?

Bacterial colonization in urine is high when the level of bacterial counts is elevated— meaning the number of colonies of a single organism is higher than 100,000 per mL. If the bacteria level in your urine is high and it’s causing physical symptoms, you have a symptomatic urinary tract infection (UTI).

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What does flag a mean on urine test results?

Here, the computer has flagged this as an ‘abnormal’ result, because it thinks the value is ‘low’. This is a case of incomplete coding of the lab system. The second example shows a urine drug screen labs results without a ‘reference range’, being displayed in the same style as ‘normal’ bloodwork.

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