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These surcharges require employees who use tobacco to pay higher health plan premiums than employees who do not use tobacco products

A PMTA can end in one of three places: a Marketing Granted Order (authorized to sell), a Marketing Denial Order (rejected), or it can sit pending while the FDA reviews it

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Administrative Charges: All respondents are to be presumed not liable until, and unless, the plaintiff can prove by preponderance of the evidence the respondents liability in an administrative hearing

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