Women’s Health and Disability Insurance

By Stephanie Pearson, MD, FACOG, A 2022 Platinum WCI Medical School Scholarship Sponsor

There have been several recent posts covering varying aspects of disability insurance. As many White Coat Investor followers know, women pay more for disability insurance than men; however, the reasoning behind this truth is not as sexist as it initially appears. The cost differential is based on carrier data and claims histories (proprietary information) that show that, across all fields, women leave the workforce more often than men due to injury and/or illness. Women get a little break on the life insurance side, as men tend to die younger and more often by suicide, making coverage for men more pricey.

As an OBGYN-turned-insurance-broker following a career-changing injury, I will be focusing on women’s health issues as they pertain to medical underwriting and securing quality disability insurance coverage. As you can expect, it is impossible to cover every medical situation in this piece,…

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This article was written by Josh Katzowitz and originally published on www.whitecoatinvestor.com