Why Disability Insurance Premiums Are Higher for Women

Shawn Plummer

CEO, The Annuity Expert

Why Disability Insurance Premiums Are Higher for Women

Disability insurance premiums are generally higher for women compared to men due to several key factors:

1. Higher Claim Rates for Health-Related Issues

  • Health Products: Women tend to utilize more health products and services, leading to higher claim rates for health-related issues. This increased utilization impacts the risk assessment and, consequently, the premiums for disability insurance.

2. Longer Lifespan

  • Longevity: Statistically, women live longer than men, which can lead to a longer period of drawing disability benefits in the event of a long-term disability.
  • Extended Coverage: Insurers account for this increased likelihood of a longer benefit period in their premium calculations.

3. Risk Profile

  • Less Risky Behavior: While women are generally considered less risky regarding lifestyle choices (a factor that lowers life insurance premiums), the type of risks relevant to disability insurance (like health issues) are higher.
  • Different Risk Factors: The risk factors that affect disability insurance are different from those affecting life insurance, leading to this contrasting scenario in premium costs.

4. Maternity and Related Health Issues

  • Maternity Leave and Complications: Women have unique health risks associated with pregnancy and childbirth, which can lead to short-term disability claims.
  • Higher Risk of Certain Conditions: Women are at a higher risk for certain conditions that might lead to disability, such as autoimmune diseases.


The higher premiums for disability insurance for women are primarily due to factors such as higher health-related claim rates, longer lifespans, and specific health risks like those associated with maternity. This contrasts with life insurance, where women typically pay lower premiums due to their longer average lifespan and generally less risky behavior. When selecting a disability insurance policy, it’s important for women to consider these factors and shop around for the best rates and coverage options.

Contact Us For A Free Quote

Request A Quote

Get help or a quote from a licensed financial professional. This service is free of charge.

Contact Us

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

Scroll to Top