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Tobacco Surcharge

Breaking up is hard to do — especially when your “ex” is tobacco. But a fresh start is just around the corner. Today, more Americans have said goodbye to their smoking habit than haven’t.1 So you can, too. With EAP, you get all the resources you need to move on for good.

You don’t have to do it on your own. loanDepot offers Tobacco Cessation resources through Anthem’s EAP and Kaiser to ensure your success.


Tobacco Use Surcharge:

If you attest that you are a tobacco user, a surcharge of $25 per paycheck will be added to your medical premium contribution.

Who is considered  a Tobacco or Nicotine User:

Anyone who currently uses cigarettes, e -cigarettes, chew, cigars and any other tobacco-related materials. This includes regular tobacco usage and occasional tobacco use during social  occasions.

Removal of Tobacco Surcharge:

The tobacco surcharge may be removed by completing an approved tobacco cessation program. Once you have completed a tobacco cessation program and provided proof of completion, the surcharge will be removed by the first of the following month from your completion date.

When you’re ready to quit, you don’t have to do it alone! We’re here for you 24/7.

  • Call the EAP at 855-873-4932 or visit  and enter loanDepot.

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