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Plan materials describing the tobacco surcharge or premium differential are generally required to disclose: That a reasonable alternative standard is available How the employee can request or obtain the alternative Contact information for the appropriate plan representative The possibility of a waiver, when applicable That recommendations from the employees personal physician will be accommodated The disclosure should appear in materials that describe the surcharge itself

Sleep Med Rev 46:136150

It must be kept in mind that most tobacco farmers are already quite well diversified