Would like to get opinions on this article regarding gender discrimination for females on IDI

[LSchultz]

It's time to eliminate discrimination against women in disability insurance (Guest viewpoint)

What are your thoughts here? The line where it is indicated that females have the same risk factors as males is clearly problematic as most of us realize that females pay more for coverage because of higher claims experience. Should individual DI be gender neutral?

 

[yankee466]

well...LTC used to be gender neutral, but now, and since 70% of all LTC benefits are paid to women.....women pay more for LTC insurance,. Women live longer than men, and pay less for life insurance.....so in this case, should women now pay more for life, and less for LTC.

Thanks to ObamaCare, men now have to pay for maternity coverage in their policies.....how well did that program work out?

I think that to solve this, at the time of application, it should not ask what gender you were born as....rather it should only ask what gender you identify yourself with today.....and then everyone will be happy. Use whatever bathroom you want, and get on with life. Geeez.