Following a positive result: If you test positive for drugs or alcohol, an MRO will contact you for additional questioning, such as if you take any prescription or herbal medications that could have impacted the test results. If you do, you may be asked to show proof of a valid prescription.

What happens if my drug test is positive?

If drugs are detected, the specimen goes into further testing to confirm the presence of drug metabolites, and is eventually reported to a DOT Medical Review Office (MRO) as positive for at least one controlled substance. Once the MRO receives a positive laboratory result, a “medical review” takes place.

Can you use marijuana on a life insurance urine test?

One drug that’s an exception, though, is marijuana. If you or someone you know has a substance abuse disorder, help is available. Life insurance urine tests detect traces of tetrahydrocannabinol (THC), a substance in marijuana that can stay in your system for anywhere from a few days to a few weeks.

What causes a positive result on a urine drug test?

All positive and any unexpected negative results must be verified by confirmatory testing. Casual dietary ingestion of poppy seeds does not cause a positive result for opioids on urine drug testing. Casual exposure to cannabis smoke does not cause a positive result on urine drug testing.

What happens when you take a urine test for life insurance?

If an insurer detects nicotine or cotinine in your urine, your premiums will be higher. Besides foreign substances in the body, life insurance companies also use urine tests to detect existing or potential health issues. By analyzing a urine sample, companies can determine a wide variety of health risks.

What kind of drugs can you test for on life insurance?

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. If you or someone you know has a substance abuse disorder, help is available.