DPH: Costs & Consequences


{stack of dollars}
{little girl crying}

Costs & Consequences
Tobacco use, particularly cigarette smoking, is a remarkably powerful cause
of disease
. The toxic components in tobacco smoke have been linked to cancer,
heart and lung disease
, and have adverse effects on reproduction and the unborn child. Even nonsmokers inadvertently exposed to tobacco smoke are harmed. The burden of disease caused by smoking is immense. Smoking is the principal cause of lost life for middle-aged persons, and by the year 2030, tobacco is expected to be the single greatest cause of death worldwide, accounting for an estimated 10 million per year.1

The Cost to the Tobacco User

Cost of Cigarettes
Average Price of a Pack of Cigarettes in CT    =  $8.00

                                  A pack a day for a week   =  $56.00

                                                              A month   =  $224.00

                                                                 A year   =  $2,912.00

                                                          Five years    =  $14,560.00    

    {burning a money cigarette}

Insurance Cost

Tobacco users pay higher insurance premiums than non-tobacco users.

  {insurance papers}      Employers (public and private) in the United States have begun to charge employees who use tobacco about $20-$50 more a month in higher health premiums than non-tobacco users.2

Smokers can pay up to three times more for life insurance premiums than nonsmokers.3  

Homeowner’s and Renter’s insurance plans ask about smoking in the home and often offer a 2- 10 % discount for non-smokers, averaging about $60 a year less.4

Automobile insurance companies see smokers as a higher risk for accidents and therefore smokers’ premiums are often higher than non-smokers.5

Cleaning and Resale of Property

Smoking inside a home or vehicle devalues the property.  Most people will not consider buying a home or vehicle if the previous owner smoked in them.  If the property is sold, the owner often receives less money than the property is worth.6 

In addition to the home and vehicles, furniture, clothing, drapes and other items are difficult to sell due to the smell and residue of tobacco smoke.7

Cleaning and restoring a home or vehicle that is contaminated with tobacco smoke and residue is costly. Cleaning cannot remove all of the toxins or smell from tobacco smoke, replacement is the only method that can remove the hazards from tobacco use.   
    {for sale sign}  


The Cost to Employers

Tobacco use affects productivity and absenteeism, increases use of disability leave, and increases overall health care costs among workers.8

The average annual cost to employers for an employee who smokes is almost $4,000 per smoker, or approximately $1,300 more per year than the cost of a nonsmoker.9


{man surrounded by paper}  
The increased cost for employees who smoke is due to:10
  • Increased absenteeism,
  • Increased medical care,
  • Increased lost earnings,
  • Increased insurance costs other than health costs,
  • Increased time lost on the job,
  • Increased property damage and depreciation,
  • Increased maintenance and cleaning costs,
  • Problems caused by second-hand smoke.

The average smoking employee spends a total of 18 days a year on smoking breaks.11


Tobacco use costs employers an estimated $96.8 billion per year in lost productivity due to sickness and premature death. 12


Workplaces that allow smoking on the property pay more for fire insurance and cleaning and maintenance.



The Cost to Landlords and Property Owners

Allowing tobacco use on the property costs landlords and property owners money in the following ways:

  • Increased tenant turn over. Tobacco smoke can cause nonsmokers to move out.
  • Increased insurance premiums due to the increased fire risk. Property losses from smoking-material fires total hundreds of millions of dollars every year.13  
  • Increased time spent on tenant complaints for secondhand smoke.
   {money in hands}

The Cost to Connecticut Residents14

  {dollar bill burning}

Annual health care costs in Connecticut directly caused by smoking               

   $1.63 billion

Portion covered by the state Medicaid program

   $430 million

Residents' state & federal tax burden from smoking-caused government expenditures

   $674 per household

Smoking-caused productivity losses in Connecticut

   $1.03 billion

Amounts do not include health costs caused by exposure to secondhand smoke, smoking-caused fires, spit tobacco use, or cigar and pipe smoking. 

Health Issues

Smokers experience about 6% more physician office visits and spend 27% more days in the hospital than those who never smoked.15


Smokers die 13-14 years earlier than non-smokers.


Tobacco use causes coronary heart disease, cancers, stroke, cataracts, lung diseases, infertility, still birth and premature labor, and lower bone density in postmenopausal women.16


      Compared with nonsmokers, smoking is estimated to increase the risk of—

  • coronary heart disease by 2 to 4 times,
  • stroke by 2 to 4 times,
  •  men developing lung cancer by 23 times,
  •  women developing lung cancer by 13 times,    
      {women covered in smoke}

  • dying from chronic obstructive lung diseases (such as chronic bronchitis and emphysema) by 12 to 13 times and,
  • women fracturing a hip.17

Deaths in Connecticut from Smoking18

Smoking kills more people than alcohol, AIDS, car crashes, illegal drugs, murders, and suicides combined - and thousands more die from other tobacco-related causes -- such as fires caused by smoking and smokeless tobacco use.


Adults who die each year from their own smoking



Kids now under 18 and alive in Connecticut who will ultimately die prematurely from smoking



Adult nonsmokers who die each year from exposure to secondhand smoke









Fires Caused by Smoking

Smoking is the leading cause of home fires and the number one cause of fire deaths in the United States.19  Cigarettes cause approximately 1 out of 4 fires and these fires kill 700-900 people every year.20


1 in 4 people killed in home fires is not the smoker whose cigarette caused the fire.

  • 34% were children of the smokers.
  • 25% were neighbors or friends of the smokers.21
{house on fire}  

Property losses from smoking-material fires total hundreds of millions of dollars every year.

In May 2008, 150 people lost their homes in Norwich, CT when an apartment complex was destroyed by fire due to discarded smoking materials.

More Information about Costs & Consequences

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The Burden of Tobacco Use in Connecticut (2014, pdf)


[1] Smoking, Risks, Perceptions, & Policy; Slovic, Paul, 2001

[2] http://www.msnbc.msn.com/id/11394043/ns/health-addictions/t/smokers-paying-extra-health-insurance/

[3] http://www.insurancerate.com/stop-smoking-to-save-on-life-insurance.php

[4] http://www.costofsmoking.com/smokers_have_higher_home_owners_insurance_costs.html

[5] http://www.costofsmoking.com/

[6] http://www.quitsmoking.com/info/articles/costofsmoking.htm

[7] http://www.quitsmoking.com/info/articles/costofsmoking.htm

8 http://www.cdc.gov/workplacehealthpromotion/evaluation/topics/tobacco-use.html

9] http://www.mayoclinichealthsolutions.com/products/Tobacco-Quitline-Economic-Impact.cfm

10] U.S. Department of Labor’s Community Service Agency

[11] http://www.tcln.org/cessation/pdfs/1a.Insurance=rev%206-29-05web.pdf

[12] http://www.cdc.gov/workplacehealthpromotion/evaluation/topics/tobacco-use.html

[14] Campaign for Tobacco Free Kids

[15] http://www.cdc.gov

[16] http://www.cdc.gov/tobacco/data_statistics/fact_sheets/health_effects/effects_cig_smoking/

[17] http://www.cdc.gov/tobacco/data_statistics/fact_sheets/health_effects/effects_cig_smoking/

[18] Campaign for Tobacco Free Kids

[21] http://www.usfa.fema.gov/campaigns/smoking

Content Last Modified on 9/4/2014 1:29:15 PM