Should I tell on a closet smoker?

Dear Ethics Talk: My company has fewer than 25 employees. A healthy employee base gives us low health-plan premiums. One of my co-workers (Joe), though, is a closet smoker. Should I tell our benefits administrator? We’re so small a company Joe might figure out that I was the one who snitched. Signed: Butt-inski

Dear Butt-inski: You don’t know for sure if Joe lied on his health-insurance forms. If he did, that’s wrong. But let’s temper justice with mercy. Maybe Joe wants to quit but can’t.

Having a smoker might increase group premiums slightly; but, the person at greatest risk is Joe. [Click here for complete column]