Drug Testing during an insurance physical?

[twoaggs]

During a life insurance qualifying physical exam can an insurance company test for illegal drugs?

I am in Texas.

 

[ALawyer]

Yes -- that is one of the many reasons why they test -- and if you turn up positive, they won't insure you. Nor should they as you are a MUCH higher risk that the general population if you do drugs -- legal or illegal.

 

[twoaggs]

Not what I was told

It is my understanding that they check for nicotine and do basic blood and urine workups. The reason why I asked was that I did sign a consent form for a HIV testing but nothing for any drug screens.

 

[don62]

I believe there are laws in place where they are required to obtain consent for HIV testing but not for drugs (legal or illegal), nicotine, etc.