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Drug and narcotic abuse

Use of illicit substances or medications (other than prescribed by a doctor) that can lead to serious mental and physical problems, and dependence. The combined use of different types of drugs and/or alcohol increases the risk.

Things to consider

  • Current age
  • Type of consumption (current and past)
  • Frequency of use
  • Starting date of consumption
  • Current use
  • Alcohol consumption
  • Treatment
  • Occupation

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What response can you expect?

Current use

Marijuana - Consider frequency of use, age and without any other risk factors: standard, rated +50 to +100 or declined
 

non-smoking and preferential rates may be granted to marijuana users
Other substances: declined

Past use - consideration after 3 years of complete abstinence (depends on the type of use)

3 to 7 years: rated +50 to +200 or declined
After 7 years: generally standard
Multiple addictions: declined for 7 years, individual consideration thereafter
Relapse: declined

Current use

Marijuana - Consider frequency of use, age and without any other risk factors: standard, rated +50 to +100 or declined
Other substances: declined

Past use - consideration after 3 years of complete abstinence

3 to 5 years: rated +75 to +100
After 5 years: standard or rated +50 to +75
Multiple addictions: declined for 5 years, individual consideration thereafter
Relapse: declined

Current use

Marijuana - Consider frequency of use, age and without any other risk factors: standard, rated +25 to +75 with possibility of limitation on the waiting period of at least 90 days and/or benefit period or declined
Other substances: declined

Past use

Within 7 years: declined
After 7 to 10 years: rated +25 to +75 and possibility of limitation on the waiting period of at least 90 days and/or benefit period
After 10 years: standard or rated +50 with limitation on the waiting period 90 days minimum
Multiple addictions: declined for 10 years, individual consideration thereafter
Relapse: declined